Home Insurance in Dunellen, New Jersey
The median home value in Dunellen is $393,500, 15% lower than the Middlesex County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Dunellen was built around 1955. About 65% of homes were built before 1960, about 34 points above Middlesex County's 31%.
In Dunellen, the housing stock is 60% single-family homes and 8% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Dunellen, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 61% of occupied homes in Dunellen are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Dunellen - 75% - are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Dunellen? FEMA's National Risk Index points to strong wind (Very High) in Middlesex County and Middlesex County had 3,031 active NFIP flood policies as of September 2026. See the full Middlesex 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 | $393,500 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Middlesex County | 3,031 |
| Home insurance premium | $1,551 - statewide average (NAIC, 2023 data) |
Nearby towns
- Middlesex
- North Plainfield
- South Plainfield
- Plainfield
- Watchung
- Bound Brook
- South Bound Brook
- Metuchen
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)