Home Insurance in Sayreville, New Jersey
With a median home value of $444,100, Sayreville is close to the Middlesex County median.
The typical home in Sayreville was built around 1973. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 28% of homes were built before 1960, about 3 points below Middlesex County's 31%.
In Sayreville, the housing stock is 65% single-family homes and 23% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Sayreville, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Sayreville has an owner-occupancy rate of 63% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
82% of homes in Sayreville are primarily heated with natural gas.
What's the biggest home insurance risk near Sayreville? 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.
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 | $444,100 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)