Home Insurance in Hampton, New Jersey
The median home value in Hampton is $336,500, 35% lower than the Hunterdon County median.
The typical home in Hampton was built around 1963. About 49% of homes were built before 1960, about 20 points above Hunterdon County's 28%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Hampton is 68% single-family homes, 8% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
75% of owner-occupied homes in Hampton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Hampton has an owner-occupancy rate of 70% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Hampton, 49% of homes are primarily heated with fuel oil.
Hunterdon County had 729 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Hunterdon County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in New Jersey carries a statewide average premium of $1,551 per year.
Key figures
| Median home value | $336,500 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 70% |
| 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)