Home Insurance in Harrison, New Jersey
The median home value in Harrison is $505,800, 6% lower than the Hudson County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Harrison was built around 1990. About 28% of homes were built before 1960, about 16 points below Hudson County's 44%.
In Harrison, the housing stock is 11% single-family homes and 52% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 57% of owner-occupied homes in Harrison have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 21% of occupied homes in Harrison are owner-occupied.
Most homes in Harrison - 54% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Harrison? 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 | $505,800 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 21% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)