Home Insurance in Union City, New Jersey
With a median home value of $471,600, Union City is 13% lower than the Hudson County median.
The typical home in Union City was built around 1961. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 49% of homes were built before 1960, about 5 points above Hudson County's 44%.
In Union City, the housing stock is 8% single-family homes and 56% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
62% of owner-occupied homes in Union City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Union City has an owner-occupancy rate of 19% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Union City, 71% of homes 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.
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 | $471,600 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 19% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)