Home Insurance in Hightstown, New Jersey
With a median home value of $342,600, Hightstown is 9% lower than the Mercer County median.
The typical home in Hightstown was built around 1950. About 64% of homes were built before 1960, about 25 points above Mercer County's 38%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Hightstown, the housing stock is 74% single-family homes, 12% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 83% of owner-occupied homes in Hightstown have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hightstown has an owner-occupancy rate of 72% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Hightstown - 84% - are primarily heated with natural gas.
Mercer County's top FEMA-rated hazard is strong wind (Very High), per FEMA's National Risk Index. Mercer County had 1,488 active NFIP flood policies as of September 2026. See the full Mercer 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 | $342,600 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 83% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Mercer County | 1,488 |
| 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)