Home Insurance in Wallington, New Jersey
Homes in Wallington carry a median value of $528,300 - 15% 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 Wallington was built around 1961. About 49% of homes were built before 1960, about 2 points below Bergen County's 51%.
The housing stock in Wallington is 24% single-family homes and 29% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 44% of owner-occupied homes in Wallington have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 38% of occupied homes in Wallington are owner-occupied.
81% of homes in Wallington are primarily heated with natural gas.
FEMA rates Bergen County's overall risk as Relatively High, led by coastal flooding (Very High). 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.
The statewide average premium for a standard HO-3 homeowners policy in New Jersey is $1,551 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $528,300 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 38% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)