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Home insurance & flood costs in ZIP 08812 (Dunellen, NJ)

Plain facts for homeowners in Dunellen: what insurance cost here in recent years, how often claims were paid, and what flood coverage runs.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 08812 at a glance

Four numbers most homeowners ask about first.

$1,515
Avg. home premium

Per policy in 2022 (inflation-adjusted), HO-3/HO-5 policies.

$2,298
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

0.97%
Nonrenewal rate

Share of policies not renewed by insurers in 2022. Typical U.S. ZIP: 0.81%.

4.9%
Claim frequency

Share of policies with a paid claim in 2022. Typical U.S. ZIP: 4.0%.

ZIP 08812 in numbers
$11,777
average paid claim (2022)
+4%
premium change 2018–2022, after inflation
1.46%
cancelled by insurers mid-term (2022)
258
single-family NFIP policies (2025)

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The average premium per policy in ZIP 08812 was $1,515 in 2022, 21% below the Somerset County typical ZIP ($1,918) and about the same as the typical U.S. ZIP code ($1,551). After adjusting for inflation, it rose 4% between 2018 and 2022. About 4.9% of policies here had a paid claim in 2022, and insurers chose not to renew 0.97% of policies.

Somerset County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 08812SomersetU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 08812 in 2025 cost $2,298, based on 258 policies, compared with $2,048 in 2022. About 87% of them are for homes in high-risk A or V zones.

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

258 policies
A zones 87%X/B/C zones 13%V zones 0%

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for Somerset County

The chart shows the share of homeowners policies in ZIP 08812 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Somerset County are listed below the chart, as national percentiles (100 = highest).

All county hazards

Policies with a paid claim

Share of policies, by year

Top county hazards

  • Inland flooding95 · Relatively High
  • Winter weather94 · Relatively High
  • Strong wind94 · Relatively High
  • Ice storm91 · Relatively High
  • Earthquake89 · Relatively Low

Other ZIP codes in Somerset County

Average premium per policy in 2022 (Treasury FIO).

07059 Warren · $2,47407069 Watchung · $2,76107920 Basking Ridge · $2,15807924 Bernardsville · $3,19108502 Belle Mead · $2,00708558 Skillman · $2,27208805 Bound Brook · $1,39508807 Bridgewater · $1,56408835 Manville · $1,15308844 Hillsborough · $1,57608873 Somerset · $1,40908876 Somerville · $1,462

Practical next steps

Simple things homeowners in ZIP 08812 can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Know that earthquake damage is separate. Standard homeowners policies exclude earthquakes. If shaking is a concern where you live, ask about a separate earthquake policy or endorsement and its deductible.
Ask about wind mitigation credits. Features like hurricane straps, a newer roof and impact-rated windows or shutters can lower premiums. Ask your insurer which upgrades earn a discount and what paperwork it needs.
Prepare for freezing weather. Burst pipes are a common winter claim. Insulating exposed pipes, keeping heat on while away and knowing where your main water shut-off is all help.

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.