Home Insurance in Belvidere, New Jersey
The median home value in Belvidere is $279,600, 19% lower than the Warren County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Belvidere was built in 1939 or earlier. About 76% of homes were built before 1960, about 38 points above Warren County's 38%.
In Belvidere, the housing stock is 64% single-family homes and 13% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
68% of owner-occupied homes in Belvidere carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 57% of occupied homes in Belvidere are owner-occupied.
51% of homes in Belvidere are primarily heated with fuel oil. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Warren County had 399 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). 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 | $279,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)