Home Insurance in Flemington, New Jersey
With a median home value of $400,600, Flemington is 23% lower than the Hunterdon County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Flemington was built around 1959. About 51% of homes were built before 1960, about 23 points above Hunterdon County's 28%.
The housing stock in Flemington is 43% single-family homes and 35% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 74% of owner-occupied homes in Flemington have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 34% of occupied homes in Flemington are owner-occupied.
Most homes in Flemington - 76% - 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.
FEMA rates Hunterdon County's overall risk as Relatively Low, led by strong wind (Relatively High). 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 | $400,600 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 34% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)