Home Insurance in East Orange, New Jersey
With a median home value of $365,900, East Orange is 30% lower than the Essex County median.
The typical home in East Orange was built around 1956. About 55% of homes were built before 1960, about 3 points above Essex County's 53%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in East Orange is 24% single-family homes and 49% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
72% of owner-occupied homes in East Orange carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 31% of occupied homes in East Orange are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In East Orange, 56% of homes are primarily heated with natural gas.
FEMA rates Essex County's overall risk as Relatively High, led by inland flooding (Relatively High). Essex County had 4,122 active NFIP flood policies as of September 2026. See the full Essex 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 | $365,900 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 31% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Inland Flooding (Relatively High) |
| Active NFIP policies in Essex County | 4,122 |
| 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)