Home Insurance in Hunterdon County, New Jersey
The median home value in Hunterdon County is $517,200, 14% higher than the New Jersey median.
The typical home in Hunterdon County was built around 1979. About 28% of homes were built before 1960, about 9 points below New Jersey's 38%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Hunterdon County is 87% single-family homes and 8% apartments in buildings with 5+ units.
About 66% of owner-occupied homes in Hunterdon County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Hunterdon County are owner-occupied.
46% of homes in Hunterdon County are primarily heated with natural gas. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Hunterdon County, per FEMA's National Risk Index, are strong wind (Relatively High), inland flooding (Relatively Moderate) and winter weather (Relatively Moderate).
Hunterdon County had 729 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $517,200 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Inland Flooding (Relatively Moderate), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 729 |
| Home insurance premium | $1,551 - statewide average (NAIC, 2023 data) |
Towns and cities
- Bloomsbury
- Califon
- Clinton
- Flemington
- Frenchtown
- Glen Gardner
- Hampton
- High Bridge
- Lambertville
- Lebanon
- Milford
- Stockton
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)