Home Insurance in Middlesex, New Jersey
Homes in Middlesex carry a median value of $446,400 - close to the Middlesex County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Middlesex was built around 1965. About 35% of homes were built before 1960, about 4 points above Middlesex County's 31%.
The housing stock in Middlesex is 76% single-family homes and 16% apartments in buildings with 5+ units.
69% of owner-occupied homes in Middlesex carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 74% of occupied homes in Middlesex are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Middlesex, 85% of homes are primarily heated with natural gas.
Middlesex County's top FEMA-rated hazard is strong wind (Very High), per FEMA's National Risk Index. 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 | $446,400 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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
- Dunellen
- South Bound Brook
- Bound Brook
- South Plainfield
- North Plainfield
- Plainfield
- Manville
- Watchung
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)