Home Insurance in Lodi, New Jersey
Homes in Lodi carry a median value of $475,000 - 24% lower than the Bergen County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Lodi was built around 1958. About 54% of homes were built before 1960, about 3 points above Bergen County's 51%.
In Lodi, the housing stock is 27% single-family homes, 18% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Lodi, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 42% of occupied homes in Lodi are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
70% of homes in Lodi are primarily heated with natural gas.
Bergen County had 10,272 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is coastal flooding (Very High). See the full Bergen County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
In New Jersey, the statewide average premium for a standard HO-3 homeowners policy is $1,551 per year (NAIC, 2023 data).
Key figures
| Median home value | $475,000 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 42% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Coastal Flooding (Very High) |
| Active NFIP policies in Bergen County | 10,272 |
| Home insurance premium | $1,551 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)