Home Insurance in East Newark, New Jersey
With a median home value of $470,300, East Newark is 13% lower than the Hudson County median.
The typical home in East Newark was built around 1952. About 57% of homes were built before 1960, about 13 points above Hudson County's 44%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In East Newark, the housing stock is 16% single-family homes, 8% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In East Newark, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 29% of occupied homes in East Newark are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In East Newark, 83% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near East Newark? FEMA's National Risk Index points to inland flooding (Relatively High) in Hudson County and Hudson County had 23,551 active NFIP flood policies as of September 2026. 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.
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 | $470,300 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 29% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)