Home Insurance in Mountainside, New Jersey
With a median home value of $810,300, Mountainside is 53% higher than the Union County median.
The typical home in Mountainside was built around 1957. About 62% of homes were built before 1960, about 4 points above Union County's 58%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Mountainside breaks down to 99% single-family homes.
About 59% of owner-occupied homes in Mountainside have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Mountainside are owner-occupied.
In Mountainside, 91% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Mountainside? FEMA's National Risk Index points to strong wind (Very High) in Union County and 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.
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 | $810,300 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 88% |
| 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)