Home Insurance in Bloomingdale, New Jersey
Homes in Bloomingdale carry a median value of $432,000 - 6% lower than the Passaic County median.
The typical home in Bloomingdale was built around 1958. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 57% of homes were built before 1960, in line with Passaic County (57%).
Housing in Bloomingdale breaks down to 74% single-family homes and 17% apartments in buildings with 5+ units.
About 72% of owner-occupied homes in Bloomingdale have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Bloomingdale has an owner-occupancy rate of 71% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Bloomingdale - 74% - are primarily heated with natural gas.
Passaic County had 2,754 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Very High). See the full Passaic County home insurance overview for all FEMA hazard ratings and flood coverage details.
In New Jersey, the statewide average premium for a standard HO-3 homeowners policy is $1,551 per year (NAIC, 2023 data).
Key figures
| Median home value | $432,000 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Passaic County | 2,754 |
| 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)