Home Insurance in Glen Gardner, New Jersey
With a median home value of $330,900, Glen Gardner is 36% lower than the Hunterdon County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Glen Gardner was built around 1981. About 33% of homes were built before 1960, about 4 points above Hunterdon County's 28%.
The housing stock in Glen Gardner is 69% single-family homes, 18% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Glen Gardner, about 75% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 76% of occupied homes in Glen Gardner are owner-occupied.
Most homes in Glen Gardner - 67% - are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Glen Gardner? 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 | $330,900 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)