Home Insurance in Haledon, New Jersey
Homes in Haledon carry a median value of $396,400 - 14% lower than 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 Haledon was built around 1963. About 47% of homes were built before 1960, about 10 points below Passaic County's 57%.
The housing stock in Haledon is 42% single-family homes and 10% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 71% of owner-occupied homes in Haledon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 48% of occupied homes in Haledon are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
78% of homes in Haledon are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Passaic County's top FEMA-rated hazard is strong wind (Very High), per FEMA's National Risk Index. 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.
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 | $396,400 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)