Home Insurance in Plainfield, New Jersey
With a median home value of $410,800, Plainfield is 22% lower than the Union County median.
The typical home in Plainfield was built around 1952. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 62% of homes were built before 1960, about 4 points above Union County's 58%.
The housing stock in Plainfield is 47% single-family homes and 23% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Plainfield, about 78% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Plainfield has an owner-occupancy rate of 45% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
76% of homes in Plainfield are primarily heated with natural gas.
Union County's top FEMA-rated hazard is strong wind (Very High), per FEMA's National Risk Index. 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 | $410,800 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 78% |
| 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)