Home Insurance in Lebanon, New Jersey
With a median home value of $374,400, Lebanon is 28% 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 Lebanon was built around 1980. About 39% of homes were built before 1960, about 11 points above Hunterdon County's 28%.
In Lebanon, the housing stock is 65% single-family homes and 24% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Lebanon, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Lebanon are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 60% of homes in Lebanon are primarily heated with natural gas.
What's the biggest home insurance risk near Lebanon? 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 | $374,400 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)