Home Insurance in Linden, New Jersey
Homes in Linden carry a median value of $419,700 - 21% lower than the Union County median.
The typical home in Linden was built around 1957. About 57% of homes were built before 1960, about 1 point below Union County's 58%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Linden is 50% single-family homes, 16% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
70% of owner-occupied homes in Linden carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Linden has an owner-occupancy rate of 59% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Linden - 78% - 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.
Union County had 4,341 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Very High). See the full Union 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 | $419,700 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)