Home Insurance in Westfield, New Jersey
With a median home value of $953,400, Westfield is 80% higher than the Union County median.
The typical home in Westfield was built around 1953. About 65% of homes were built before 1960, about 7 points above Union County's 58%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Westfield breaks down to 81% single-family homes and 7% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Westfield, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 81% of occupied homes in Westfield are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Westfield - 87% - are primarily heated with natural gas.
What's the biggest home insurance risk near Westfield? 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 | $953,400 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)