Home Insurance in Upper Saddle River, New Jersey
The median home value in Upper Saddle River is $1,108,700, 78% higher than the Bergen County median.
The typical home in Upper Saddle River was built around 1971. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 26% of homes were built before 1960, about 25 points below Bergen County's 51%.
In Upper Saddle River, the housing stock is 92% single-family homes and 6% apartments in buildings with 5+ units.
About 56% of owner-occupied homes in Upper Saddle River have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 91% of occupied homes in Upper Saddle River are owner-occupied.
90% of homes in Upper Saddle River are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Bergen County's top FEMA-rated hazard is coastal flooding (Very High), per FEMA's National Risk Index. Bergen County had 10,272 active NFIP flood policies as of September 2026. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in New Jersey carries a statewide average premium of $1,551 per year.
Key figures
| Median home value | $1,108,700 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)