Home Insurance in Bayonne, New Jersey
The median home value in Bayonne is $460,100, 15% lower than the Hudson County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Bayonne was built around 1954. About 57% of homes were built before 1960, about 13 points above Hudson County's 44%.
The housing stock in Bayonne is 21% single-family homes and 34% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 61% of owner-occupied homes in Bayonne have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Bayonne has an owner-occupancy rate of 36% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Bayonne - 75% - are primarily heated with natural gas.
Hudson County had 23,551 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively High). See the full Hudson 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 | $460,100 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 36% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Inland Flooding (Relatively High) |
| Active NFIP policies in Hudson County | 23,551 |
| 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)