Home Insurance in Clifton, New Jersey
Homes in Clifton carry a median value of $461,900 - close to the Passaic 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 Clifton was built around 1951. About 69% of homes were built before 1960, about 12 points above Passaic County's 57%.
In Clifton, the housing stock is 53% single-family homes and 17% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 61% of owner-occupied homes in Clifton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Clifton has an owner-occupancy rate of 60% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Clifton - 84% - are primarily heated with natural gas.
FEMA rates Passaic County's overall risk as Relatively High, led by strong wind (Very High). Passaic County had 2,754 active NFIP flood policies as of September 2026. 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 | $461,900 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)