Home Insurance in Stockton, New Jersey
With a median home value of $441,700, Stockton is 15% lower than the Hunterdon County median.
The typical home in Stockton was built around 1954. About 58% of homes were built before 1960, about 30 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 Stockton breaks down to 80% single-family homes and 13% apartments in buildings with 5+ units.
About 65% of owner-occupied homes in Stockton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Stockton has an owner-occupancy rate of 73% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Stockton, 69% of homes are primarily heated with natural gas.
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.
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 | $441,700 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)