Home Insurance in Hudson County, New Jersey
Homes in Hudson County carry a median value of $539,700 - 19% higher than the New Jersey median.
The typical home in Hudson County was built around 1966. About 44% of homes were built before 1960, about 7 points above New Jersey's 38%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Hudson County is 15% single-family homes and 53% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
66% of owner-occupied homes in Hudson County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Hudson County has an owner-occupancy rate of 31% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Hudson County - 65% - are primarily heated with natural gas.
The top hazards for Hudson County, per FEMA's National Risk Index, are inland flooding (Relatively High), strong wind (Relatively High) and earthquake (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Hudson County had 23,551 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $539,700 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 31% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively High), Strong Wind (Relatively High), Earthquake (Relatively Moderate) |
| Active NFIP flood policies (county) | 23,551 |
| Home insurance premium | $1,551 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Hoboken
- Median home value: $895,100
- Median year built: 1977
- Owner-occupied share: 34%
-
Jersey City
- Median home value: $566,900
- Median year built: 1971
- Owner-occupied share: 28%
Sources
- 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)