Home Insurance in Guttenberg, New Jersey
With a median home value of $379,000, Guttenberg is 30% lower than the Hudson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Guttenberg was built around 1976. About 24% of homes were built before 1960, about 20 points below Hudson County's 44%.
Housing in Guttenberg breaks down to 8% single-family homes and 56% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 65% of owner-occupied homes in Guttenberg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 40% of occupied homes in Guttenberg are owner-occupied.
60% of homes in Guttenberg are primarily heated with natural gas.
FEMA rates Hudson County's overall risk as Relatively High, led by inland flooding (Relatively High). 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.
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 | $379,000 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)