Homeowners Insurance in Jersey City, NJ
For a home at Jersey City's median value of $566,900, we estimate about $1,875 a year — +21% versus the New Jersey NAIC average of $1,551.
Estimated homeowners insurance cost in Jersey City
Jersey City's estimate reflects its home values (25% higher than the state median) and FEMA's hazard profile for Hudson County.
Natural hazard risk in Jersey City
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 75.1 | Comprehensive (car); roof claims (home) | |
| Tornado | 90.7 | Comprehensive; dwelling | |
| Hurricane | 91.7 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 98.6 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 95.0 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 97.5 | Comprehensive; dwelling | |
| Winter weather | 95.2 | Collision (icy roads); frozen pipes (home) | |
| Wildfire | 4.6 | Comprehensive; dwelling | |
| Earthquake | 95.3 | Home needs a separate earthquake policy | |
| Lightning | 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 Jersey City
| 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
Homeowners insurance by ZIP code in Jersey City
| ZIP | Median home value | Owner-occupied | Est. premium |
|---|---|---|---|
| 07305 | $450,800 | 40.0% | $1,560 |
| 07302 | $865,100 | 24.0% | $2,630 |
| 07306 | $516,000 | 24.2% | $1,740 |
| 07304 | $537,200 | 24.1% | $1,795 |
| 07307 | $582,600 | 35.6% | $1,915 |
| 07310 | $844,400 | 9.4% | $2,580 |
Homeowners insurance in New Jersey · Car insurance in Jersey City · Insurance offices near Jersey City
Frequently asked questions
How much is homeowners insurance in Jersey City?
For a home at Jersey City's median value of $566,900, we estimate about $1,875 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 Jersey City?
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 Jersey City affect insurance?
Yes. The median home in Jersey City was built in 1971 (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.
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023 (July 2026), Tables 4 and 5 (HO-3 and HO-4 average premiums)
- FEMA National Risk Index (Hudson County)
- U.S. Census Bureau, American Community Survey (home values, year built, tenure)