Home Insurance in Sussex County, New Jersey
The median home value in Sussex County is $369,400, 19% lower than the New Jersey median.
The typical home in Sussex County was built around 1973. About 32% of homes were built before 1960, about 6 points below New Jersey's 38%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Sussex County breaks down to 84% single-family homes, 8% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Sussex County, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Sussex County has an owner-occupancy rate of 84% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
48% of homes in Sussex County are primarily heated with fuel oil. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Sussex County's top hazards are strong wind (Very High), winter weather (Relatively Moderate) and inland flooding (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Sussex County has 193 active NFIP flood policies on file.
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 | $369,400 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Very High), Winter Weather (Relatively Moderate), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 193 |
| Home insurance premium | $1,551 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Andover
- Median home value: $400,000
- Median year built: 1954
- Owner-occupied share: 56%
-
Ogdensburg
- Median home value: $324,500
- Median year built: 1965
- Owner-occupied share: 90%
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)