Home Insurance in Bloomsbury, New Jersey
With a median home value of $348,200, Bloomsbury is 33% lower than the Hunterdon County median.
The typical home in Bloomsbury was built around 1949. About 72% of homes were built before 1960, about 44 points above Hunterdon County's 28%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Bloomsbury is 93% single-family homes, 4% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
73% of owner-occupied homes in Bloomsbury carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 61% of occupied homes in Bloomsbury are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 68% of homes in Bloomsbury are primarily heated with fuel oil.
What's the biggest home insurance risk near Bloomsbury? FEMA's National Risk Index points to strong wind (Relatively High) in Hunterdon County and Hunterdon County had 729 active NFIP flood policies as of September 2026. See the full Hunterdon County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $348,200 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Hunterdon County | 729 |
| 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)