Home Insurance in Middlesex County, New Jersey
Homes in Middlesex County carry a median value of $462,900 - close to the New Jersey median.
The typical home in Middlesex County was built around 1974. About 31% of homes were built before 1960, about 7 points below New Jersey's 38%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Middlesex County is 63% single-family homes, 24% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
63% of owner-occupied homes in Middlesex County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Middlesex County has an owner-occupancy rate of 64% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
79% of homes in Middlesex County are primarily heated with natural gas.
The top hazards for Middlesex County, per FEMA's National Risk Index, are strong wind (Very High), winter weather (Very High) and inland flooding (Relatively High).
As of September 2026, Middlesex County has 3,031 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $462,900 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Very High), Winter Weather (Very High), Inland Flooding (Relatively High) |
| Active NFIP flood policies (county) | 3,031 |
| Home insurance premium | $1,551 - statewide average (NAIC, 2023 data) |
Towns and cities
- Carteret
- Dunellen
- Helmetta
- Highland Park
- Jamesburg
- Metuchen
- Middlesex
- Milltown
- New Brunswick
- Perth Amboy
- Sayreville
- South Amboy
- South Plainfield
- South River
- Spotswood
Sources
- 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)