Home Insurance in Kenilworth, New Jersey
The median home value in Kenilworth is $522,200, close to the Union County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Kenilworth was built around 1955. About 69% of homes were built before 1960, about 11 points above Union County's 58%.
The housing stock in Kenilworth is 74% single-family homes and 3% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 59% of owner-occupied homes in Kenilworth have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Kenilworth are owner-occupied.
78% of homes in Kenilworth are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Union County's overall risk as Relatively High, led by strong wind (Very High). Union County had 4,341 active NFIP flood policies as of September 2026. See the full Union 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 | $522,200 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Union County | 4,341 |
| 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)