Home Insurance in Passaic County, New Jersey
Homes in Passaic County carry a median value of $459,500 - close to the New Jersey median.
The typical home in Passaic County was built around 1956. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 57% of homes were built before 1960, about 19 points above New Jersey's 38%.
In Passaic County, the housing stock is 48% single-family homes and 21% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Passaic County, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 53% of occupied homes in Passaic County are owner-occupied.
Most homes in Passaic County - 81% - are primarily heated with natural gas.
FEMA's National Risk Index lists strong wind (Very High), inland flooding (Relatively High) and winter weather (Very High) as the leading hazards for Passaic County.
As of September 2026, Passaic County has 2,754 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $459,500 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Very High), Inland Flooding (Relatively High), Winter Weather (Very High) |
| Active NFIP flood policies (county) | 2,754 |
| Home insurance premium | $1,551 - statewide average (NAIC, 2023 data) |
Towns and cities
- Bloomingdale
- Clifton
- Haledon
- North Haledon
- Passaic
- Paterson
- Pompton Lakes
- Prospect Park
- Totowa
- Wanaque
- Woodland Park
Smaller communities
-
Hawthorne
- Median home value: $533,700
- Median year built: 1953
- Owner-occupied share: 69%
-
Ringwood
- Median home value: $449,800
- Median year built: 1964
- Owner-occupied share: 96%
Sources
- 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)