Homeowners Insurance in Bayonne, NJ

For a home at Bayonne's median value of $460,100, we estimate about $1,585 a year — +2% versus the New Jersey NAIC average of $1,551.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Bayonne

Est. premium

$1,585

$132/mo · median home

Median home value

$460,100

New Jersey: $454,400

Median year built

1954

Census ACS

Owner-occupied

36.2%

of households

Hazard score

82.1

state ref. 79.9

Bayonne's estimate reflects its home values (1% higher than the state median) and FEMA's hazard profile for Hudson County. Many homes here are older, so roof age, wiring and plumbing updates can matter a lot at underwriting.

Natural hazard risk in Bayonne

FEMA National Risk Index — Hudson County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively Moderate	75.1	Comprehensive (car); roof claims (home)
Tornado	Relatively High	90.7	Comprehensive; dwelling
Hurricane	Relatively Moderate	91.7	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively High	98.6	Comprehensive; home needs a separate flood policy
Coastal flooding	Very High	95.0	Comprehensive; home needs a separate flood policy
Strong wind	Relatively High	97.5	Comprehensive; dwelling
Winter weather	Relatively High	95.2	Collision (icy roads); frozen pipes (home)
Wildfire	Very Low	4.6	Comprehensive; dwelling
Earthquake	Relatively Moderate	95.3	Home needs a separate earthquake policy
Lightning	Relatively Moderate	76.9	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Bayonne

Dwelling value	Wood frame	Brick / masonry
$200,000	$815	$750
$300,000	$1,125	$1,035
$500,000	$1,695	$1,560
$750,000	$2,345	$2,160

Home Insurance Estimator

Estimated annual premium

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Homeowners insurance in New Jersey · Car insurance in Bayonne · Insurance offices near Bayonne

Frequently asked questions

How much is homeowners insurance in Bayonne?

For a home at Bayonne's median value of $460,100, we estimate about $1,585 a year for a standard HO-3 policy with a $1,000 deductible. The New Jersey NAIC average is $1,551.

What are the biggest natural hazards in Bayonne?

FEMA's National Risk Index rates Hudson County relatively high or very high for tornado, inland (river) flooding, coastal flooding, strong wind, and winter weather.

Does the age of homes in Bayonne affect insurance?

Yes. The median home in Bayonne was built in 1954 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for New Jersey, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Hudson County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page