Home Insurance in Woodland Park, New Jersey
Homes in Woodland Park carry a median value of $497,600 - 8% higher than the Passaic County median.
The typical home in Woodland Park was built around 1967. About 35% of homes were built before 1960, about 22 points below Passaic County's 57%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Woodland Park breaks down to 45% single-family homes and 27% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Woodland Park, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Woodland Park are owner-occupied.
Most homes in Woodland Park - 81% - 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in New Jersey carries a statewide average premium of $1,551 per year.
Key figures
| Median home value | $497,600 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)