Home Insurance in Hopatcong, New Jersey
With a median home value of $340,700, Hopatcong is 8% lower than the Sussex County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hopatcong was built around 1964. About 45% of homes were built before 1960, about 13 points above Sussex County's 32%.
In Hopatcong, the housing stock is 96% single-family homes and 1% apartments in buildings with 5+ units.
In Hopatcong, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hopatcong has an owner-occupancy rate of 87% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Hopatcong - 63% - 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.
Sussex County had 193 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Very High). See the full Sussex 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 | $340,700 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)