Home Insurance in Washington, New Jersey
Homes in Washington carry a median value of $263,300 - 24% lower than the Warren County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Washington was built around 1960. About 50% of homes were built before 1960, about 12 points above Warren County's 38%.
Housing in Washington breaks down to 68% single-family homes and 18% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Washington, about 83% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Washington has an owner-occupancy rate of 58% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Washington - 62% - are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Warren County's overall risk as Relatively Low, led by strong wind (Relatively High). 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.
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 | $263,300 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 83% |
| 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)