Home Insurance in New Brunswick, New Jersey
The median home value in New Brunswick is $353,800, 24% lower than the Middlesex County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in New Brunswick was built around 1968. About 45% of homes were built before 1960, about 14 points above Middlesex County's 31%.
Housing in New Brunswick breaks down to 28% single-family homes and 44% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 64% of owner-occupied homes in New Brunswick have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 21% of occupied homes in New Brunswick are owner-occupied.
Most homes in New Brunswick - 59% - 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 | $353,800 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 21% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)