Home Insurance in Roseland, New Jersey
Homes in Roseland carry a median value of $665,700 - 27% higher than the Essex County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Roseland was built around 1975. About 30% of homes were built before 1960, about 23 points below Essex County's 53%.
The housing stock in Roseland is 82% single-family homes, 12% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Roseland, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 82% of occupied homes in Roseland are owner-occupied.
81% of homes in Roseland are primarily heated with natural gas.
What's the biggest home insurance risk near Roseland? FEMA's National Risk Index points to inland flooding (Relatively High) in Essex County and 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.
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 | $665,700 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)