Home Insurance in Highland Park, New Jersey
Homes in Highland Park carry a median value of $471,700 - close to the Middlesex County median.
The typical home in Highland Park was built around 1962. About 47% of homes were built before 1960, about 16 points above Middlesex County's 31%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Highland Park, the housing stock is 39% single-family homes and 34% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
62% of owner-occupied homes in Highland Park carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 40% of occupied homes in Highland Park are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Highland Park - 70% - are primarily heated with natural gas.
FEMA rates Middlesex County's overall risk as Relatively High, led by strong wind (Very High). 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in New Jersey carries a statewide average premium of $1,551 per year.
Key figures
| Median home value | $471,700 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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
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)