Home Insurance in Pompton Lakes, New Jersey
Homes in Pompton Lakes carry a median value of $442,400 - close to the Passaic County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Pompton Lakes was built around 1963. About 46% of homes were built before 1960, about 11 points below Passaic County's 57%.
Housing in Pompton Lakes breaks down to 74% single-family homes and 20% apartments in buildings with 5+ units.
About 73% of owner-occupied homes in Pompton Lakes have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 80% of occupied homes in Pompton Lakes are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
82% of homes in Pompton Lakes are primarily heated with natural gas.
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.
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 | $442,400 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)