Home Insurance in Jamesburg, New Jersey
With a median home value of $367,200, Jamesburg is 21% 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 Jamesburg was built around 1978. About 30% of homes were built before 1960, about 1 point below Middlesex County's 31%.
In Jamesburg, the housing stock is 71% single-family homes and 13% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 73% of owner-occupied homes in Jamesburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 72% of occupied homes in Jamesburg are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Jamesburg, 79% of homes are primarily heated with natural gas.
Middlesex County had 3,031 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Very High). See the full Middlesex 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 | $367,200 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)