Home Insurance in West New York, New Jersey
Homes in West New York carry a median value of $465,600 - 14% lower than the Hudson County median.
The typical home in West New York was built around 1966. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 43% of homes were built before 1960, about 1 point below Hudson County's 44%.
The housing stock in West New York is 11% single-family homes and 65% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
56% of owner-occupied homes in West New York carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 23% of occupied homes in West New York are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
64% of homes in West New York 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.
In New Jersey, the statewide average premium for a standard HO-3 homeowners policy is $1,551 per year (NAIC, 2023 data).
Key figures
| Median home value | $465,600 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 23% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)