Home Insurance in Sussex, New Jersey
The median home value in Sussex is $275,500, 25% lower than the Sussex County median.
The typical home in Sussex was built around 1948. About 59% of homes were built before 1960, about 28 points above Sussex County's 32%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Sussex, the housing stock is 40% single-family homes and 35% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
68% of owner-occupied homes in Sussex carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 36% of occupied homes in Sussex are owner-occupied.
37% of homes in Sussex are primarily heated with natural gas. 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's top FEMA-rated hazard is strong wind (Very High), per FEMA's National Risk Index. 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.
The statewide average premium for a standard HO-3 homeowners policy in New Jersey is $1,551 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $275,500 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 36% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)