Home Insurance in Hamburg, New Jersey
With a median home value of $280,900, Hamburg is 24% lower than the Sussex County median.
The typical home in Hamburg was built around 1983. About 27% of homes were built before 1960, about 4 points below Sussex County's 32%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Hamburg breaks down to 63% single-family homes and 15% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
66% of owner-occupied homes in Hamburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Hamburg has an owner-occupancy rate of 70% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
Most homes in Hamburg - 53% - are primarily heated with natural gas. Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Sussex County's overall risk as Relatively Low, led by strong wind (Very High). Sussex County had 193 active NFIP flood policies as of September 2026. See the full Sussex 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 | $280,900 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Sussex County | 193 |
| 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)