Home Insurance in Spotswood, New Jersey
Homes in Spotswood carry a median value of $369,900 - 20% 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 Spotswood was built around 1967. About 34% of homes were built before 1960, about 3 points above Middlesex County's 31%.
In Spotswood, the housing stock is 74% single-family homes, 11% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
49% of owner-occupied homes in Spotswood carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Spotswood has an owner-occupancy rate of 86% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 79% of homes in Spotswood 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.
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 | $369,900 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)