Home Insurance in Alpha, New Jersey
Homes in Alpha carry a median value of $261,500 - 25% lower than the Warren County median.
The typical home in Alpha was built around 1956. About 58% of homes were built before 1960, about 20 points above Warren County's 38%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Alpha, the housing stock is 80% single-family homes and 9% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
73% of owner-occupied homes in Alpha carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Alpha are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 62% of homes in Alpha are primarily heated with natural gas.
Warren County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Warren County had 399 active NFIP flood policies as of September 2026. See the full Warren County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in New Jersey carries a statewide average premium of $1,551 per year.
Key figures
| Median home value | $261,500 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Warren County | 399 |
| 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)