Home insurance costs & natural hazards in New Jersey
Plain facts for New Jersey homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.
See the numbersHistorical averages, not a quote. Updated Oct 2026.
New Jersey at a glance
Four numbers most homeowners ask about first.
Median ZIP code, per policy per year in 2022 (inflation-adjusted).
Single-family NFIP policies that took effect in 2025.
Median ZIP in 2022. Typical U.S. ZIP: 0.81%.
Counties FEMA rates relatively high or very high on its overall National Risk Index.
What homeowners in New Jersey pay
Each block pairs a short explanation with the data behind it.
Homeowners insurance
The typical New Jersey ZIP code saw homeowners premiums of $1,598 per policy in 2022, about the same as the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure rose 3% between 2018 and 2022. The figures come from 563 New Jersey ZIP codes in Treasury's data.
Typical premium per policy
Flood insurance
Standard home policies don't cover floods. 100,532 single-family NFIP policies took effect in New Jersey in 2025, at an average full cost of $1,492, compared with $1,199 in 2022. About 83% of those policies are for homes in high-risk A or V zones.
Average flood policy cost
Policies by flood zone, 2025
Natural hazards
Bars count how many of New Jersey's 21 counties FEMA rates relatively high or very high for each hazard. The most widespread are strong wind, winter weather and lightning. Open any county for its full hazard profile.
Hazards across New Jersey's counties
New Jersey counties
All 21 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.
Typical home premium by county, 2022
| County | Premium | Flood | FEMA rating |
|---|---|---|---|
| Atlantic County | $1,666 | $1,453 | Relatively Moderate |
| Bergen County | $1,666 | $1,667 | Relatively High |
| Burlington County | $1,548 | $1,733 | Relatively Moderate |
| Camden County | $1,434 | $1,291 | Relatively Moderate |
| Cape May County | $2,322 | $1,473 | Relatively Moderate |
| Cumberland County | $1,555 | $1,164 | Relatively Moderate |
| Essex County | $2,161 | $1,369 | Relatively High |
| Gloucester County | $1,404 | $1,417 | Relatively Moderate |
| Hudson County | $2,101 | $2,070 | Relatively High |
| Hunterdon County | $1,681 | $2,563 | Relatively Low |
| Mercer County | $1,550 | $1,762 | Relatively High |
| Middlesex County | $1,382 | $1,522 | Relatively High |
| Monmouth County | $2,341 | $1,289 | Relatively High |
| Morris County | $1,465 | $1,913 | Relatively Moderate |
| Ocean County | $1,837 | $1,439 | Relatively High |
| Passaic County | $1,482 | $2,249 | Relatively High |
| Salem County | $1,458 | $1,168 | Relatively Low |
| Somerset County | $1,918 | $1,871 | Relatively Moderate |
| Sussex County | $1,331 | $1,286 | Relatively Low |
| Union County | $1,522 | $1,636 | Relatively High |
| Warren County | $1,371 | $2,328 | Relatively Low |
ZIP codes with the most flood policies
Practical next steps
Simple things New Jersey homeowners can do with this information.
Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.
Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.
This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.