Home Insurance in Lambertville, New Jersey
With a median home value of $562,300, Lambertville is 9% higher than the Hunterdon County median.
The median home in Lambertville was built in 1939 or earlier. About 55% of homes were built before 1960, about 27 points above Hunterdon County's 28%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Lambertville breaks down to 71% single-family homes and 13% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 70% of owner-occupied homes in Lambertville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lambertville has an owner-occupancy rate of 78% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Lambertville, 65% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Lambertville? 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.
In New Jersey, the statewide average premium for a standard HO-3 homeowners policy is $1,551 per year (NAIC, 2023 data).
Key figures
| Median home value | $562,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)