Home Insurance in Dover, New Jersey
Homes in Dover carry a median value of $366,700 - 37% lower than the Morris County median.
The typical home in Dover was built around 1954. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 61% of homes were built before 1960, about 28 points above Morris County's 33%.
Housing in Dover breaks down to 59% single-family homes and 18% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Dover, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 46% of occupied homes in Dover are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
72% of homes in Dover are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Morris County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Morris County had 2,729 active NFIP flood policies as of September 2026. See the full Morris 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 | $366,700 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Morris County | 2,729 |
| 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)