Home Insurance in Roselle, New Jersey
Homes in Roselle carry a median value of $379,900 - 28% lower than the Union County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Roselle was built around 1955. About 60% of homes were built before 1960, about 2 points above Union County's 58%.
The housing stock in Roselle is 55% single-family homes and 21% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Roselle, about 72% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Roselle has an owner-occupancy rate of 55% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
78% of homes in Roselle are primarily heated with natural gas.
What's the biggest home insurance risk near Roselle? 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 | $379,900 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)