Home Insurance in Secaucus, New Jersey
Homes in Secaucus carry a median value of $571,900 - 6% higher than the Hudson County median.
The typical home in Secaucus was built around 1981. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 28% of homes were built before 1960, about 17 points below Hudson County's 44%.
In Secaucus, the housing stock is 35% single-family homes and 42% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
65% of owner-occupied homes in Secaucus carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 51% of occupied homes in Secaucus are owner-occupied.
Most homes in Secaucus - 70% - are primarily heated with natural gas.
Hudson County's top FEMA-rated hazard is inland flooding (Relatively High), per FEMA's National Risk Index. 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 | $571,900 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 51% |
| 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)