Home Insurance in Kearny, New Jersey
The median home value in Kearny is $459,400, 15% lower than the Hudson County median.
The typical home in Kearny was built around 1951. About 62% of homes were built before 1960, about 17 points above Hudson County's 44%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Kearny is 36% single-family homes and 22% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 58% of owner-occupied homes in Kearny have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 43% of occupied homes in Kearny are owner-occupied.
Most homes in Kearny - 78% - are primarily heated with natural gas.
What's the biggest home insurance risk near Kearny? 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.
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 | $459,400 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)