New Jersey

Home insurance overview — 563 ZIP codes, 450 cities

Avg Premium (2025 Est.)

$2,071

+11.4% from 2022

Nonrenewal Rate

0.85%

5yr Storm Damage

$231.4M

New Jersey Risk Map

Cities

City	ZIP Codes	Avg Premium	Stress Score	YoY	Risk
Deal	1	$9,840	80	+15.3%	High
Far Hills	1	$5,874	75	+11.3%	High
New Vernon	1	$6,729	75	+11.0%	High
Alpine	1	$8,709	74	+9.7%	High
Ocean Grove	1	$3,445	74	+13.5%	High
Monmouth Beach	1	$5,006	72	+12.0%	High
Allenhurst	1	$5,929	72	+12.3%	High
Mantoloking	1	$7,068	72	+10.8%	High
Pottersville	1	$3,420	70	+9.7%	High
Highlands	1	$3,279	70	+16.6%	High
Cape May Point	1	$3,289	68	+11.3%	High
Atlantic City	1	$2,767	67	+17.7%	High
Rumson	1	$5,783	66	+8.0%	High
Long Branch	1	$3,566	66	+15.4%	High
Peapack and Gladstone	2	$2,897	66	+8.6%	High
Mountain Lakes	1	$2,958	65	+9.3%	High
Bernardsville	1	$3,523	65	+10.4%	High
Spring Lake	1	$4,839	65	+11.9%	High
Dover Beaches North	1	$3,776	65	+18.9%	High
Oakhurst	1	$2,965	65	+13.7%	High
Green Village	1	$2,855	65	+8.0%	High
Oldwick	1	$4,682	64	+9.7%	High
Ventnor City	1	$3,828	64	+13.6%	High
East Orange	3	$2,424	64	+10.8%	High
Watchung	1	$3,067	64	+11.1%	High
Avon-by-the-Sea	1	$4,788	64	+16.1%	High
West Long Branch	1	$2,746	63	+13.1%	High
Dover Beaches South	1	$3,289	63	+20.8%	High
Brigantine	1	$3,386	63	+13.4%	High
Atlantic Highlands	1	$2,770	62	+10.3%	High
Sea Girt	1	$4,640	62	+13.5%	High
Upper Saddle River	1	$4,773	62	+9.1%	High
Longport	1	$5,982	61	+8.0%	High
Hope	1	$2,413	61	+10.8%	High
Oceanport	1	$2,791	61	+12.6%	High
Edgewater	1	$2,532	61	+10.8%	High
Newark	10	$2,521	61	+11.1%	High
Englewood Cliffs	1	$3,449	61	+9.6%	High
Mauricetown	1	$2,176	60	+12.2%	Elevated
Cresskill	1	$2,653	60	+9.6%	Elevated
Seaside Park	1	$3,843	60	+20.2%	Elevated
Barnegat Light	1	$3,910	60	+8.4%	Elevated
Mendham	1	$3,346	60	+11.0%	Elevated
Englewood	1	$2,984	60	+9.8%	Elevated
Kingston	1	$1,606	60	+11.7%	Elevated
Passaic	1	$2,419	59	+12.5%	Elevated
New Brunswick	1	$1,636	59	+11.3%	Elevated
Rocky Hill	1	$2,252	59	+13.0%	Elevated
Point Pleasant	1	$3,001	58	+18.3%	Elevated
Margate City	1	$4,363	58	+13.1%	Elevated
Paterson	8	$2,242	58	+11.8%	Elevated
Bradley Beach	1	$3,378	58	+16.0%	Elevated
Brielle	1	$3,517	58	+14.6%	Elevated
Neshanic Station	1	$2,202	58	+14.8%	Elevated
Skillman	1	$2,525	58	+11.2%	Elevated
Titusville	1	$2,184	57	+11.6%	Elevated
Princeton	2	$2,433	57	+12.1%	Elevated
Belle Mead	1	$2,283	57	+13.8%	Elevated
Dorchester	1	$1,747	57	+12.2%	Elevated
Highland Park	1	$1,761	57	+9.5%	Elevated
Little Silver	1	$2,933	57	+9.0%	Elevated
Fair Haven	1	$2,883	57	+9.8%	Elevated
Closter	1	$2,476	57	+11.0%	Elevated
Brookside	2	$2,283	57	+9.1%	Elevated
Hopewell	1	$2,273	57	+8.7%	Elevated
Ramapo College of New Jersey	1	$2,491	57	+8.9%	Elevated
Demarest	1	$2,985	57	+9.3%	Elevated
Richland	1	$1,965	57	+13.1%	Elevated
Basking Ridge	1	$2,387	57	+10.6%	Elevated
Califon	1	$2,358	56	+10.2%	Elevated
Flagtown	1	$1,563	56	+17.1%	Elevated
Perth Amboy	1	$1,695	56	+13.5%	Elevated
Woodcliff Lake	1	$2,944	56	+10.4%	Elevated
Strathmere	1	$3,316	56	+7.9%	Elevated
Towaco	1	$2,169	56	+10.3%	Elevated
Union City	1	$2,494	56	+11.0%	Elevated
North Wildwood	1	$2,884	55	+14.5%	Elevated
Haworth	1	$2,510	55	+7.9%	Elevated
Princeton Junction	1	$2,191	55	+12.1%	Elevated
North Beach Haven	2	$3,124	55	+12.2%	Elevated
Trenton	6	$1,747	55	+14.1%	Elevated
Manasquan	1	$2,967	54	+16.3%	Elevated
Hoboken	2	$3,335	54	+11.6%	Elevated
Island Heights	1	$3,037	54	+14.5%	Elevated
Tenafly	1	$3,011	54	+8.1%	Elevated
Cranbury	1	$2,101	54	+11.5%	Elevated
Stirling	1	$1,937	54	+14.1%	Elevated
Leesburg	1	$1,831	54	+13.6%	Elevated
Cliffside Park	1	$2,010	54	+11.1%	Elevated
Bayonne	1	$2,127	54	+13.3%	Elevated
Monmouth Junction	1	$1,827	53	+11.1%	Elevated
Norwood	1	$2,171	53	+7.9%	Elevated
Fort Lee	1	$2,147	53	+10.0%	Elevated
Millington	2	$2,335	53	+11.6%	Elevated
Pleasant Plains	1	$1,904	53	+14.5%	Elevated
Morganville	1	$2,475	53	+10.1%	Elevated
Glen Ridge	2	$2,866	53	+9.3%	Elevated
Leonardo	1	$2,344	53	+13.3%	Elevated
Franklin Lakes	2	$3,122	53	+9.1%	Elevated
Ho-Ho-Kus	1	$2,763	53	+9.6%	Elevated
Harrington Park	1	$2,105	52	+10.3%	Elevated
Montvale	1	$2,264	52	+9.2%	Elevated
Fairview	1	$1,821	52	+11.8%	Elevated
Teterboro	1	$1,813	52	+11.0%	Elevated
Ocean City	1	$3,515	52	+7.9%	Elevated
Three Bridges	1	$1,706	52	+12.4%	Elevated
Belmar	1	$2,740	52	+15.2%	Elevated
New Gretna	1	$2,046	52	+14.5%	Elevated
Ledgewood	1	$1,576	52	+10.4%	Elevated
Vauxhall	3	$2,200	52	+9.3%	Elevated
Martinsville	2	$2,021	52	+13.8%	Elevated
Mount Arlington	1	$1,697	52	+11.7%	Elevated
Jersey City	5	$2,503	52	+11.8%	Elevated
Dunellen	1	$1,698	52	+12.1%	Elevated
Northvale	1	$1,831	51	+9.6%	Elevated
Pennington	1	$2,095	51	+12.2%	Elevated
Avalon	1	$5,181	51	+7.9%	Elevated
Princeton Meadows	1	$1,761	51	+12.6%	Elevated
Franklinville	1	$1,757	51	+11.7%	Elevated
West New York	2	$2,227	51	+12.6%	Elevated
Mickleton	1	$1,952	51	+11.2%	Elevated
Short Hills	3	$2,903	51	+8.9%	Elevated
Kinnelon	1	$1,952	51	+10.5%	Elevated
Dayton	1	$1,560	51	+12.5%	Elevated
Chester	1	$2,718	51	+10.5%	Elevated
Tinton Falls	5	$2,531	51	+11.2%	Elevated
Lamington	1	$3,030	51	+9.3%	Elevated
Cream Ridge	1	$2,306	51	+14.3%	Elevated
Manville	1	$1,315	51	+14.0%	Elevated
Lebanon	1	$2,304	50	+10.9%	Elevated
Stockton University	1	$1,714	50	+7.9%	Elevated
Upper Montclair	1	$2,946	50	+9.5%	Elevated
Elizabeth	4	$1,889	50	+13.2%	Elevated
Twin Rivers	1	$1,601	50	+13.2%	Elevated
Ringoes	1	$2,120	50	+11.7%	Elevated
Ridgewood	1	$2,483	50	+8.7%	Elevated
Asbury	1	$1,921	50	+12.3%	Elevated
Essex Fells	2	$2,984	50	+9.8%	Elevated
South River	1	$1,511	50	+11.0%	Elevated
Leonia	1	$1,933	50	+8.1%	Elevated
Keasbey	1	$1,530	50	+13.1%	Elevated
Heislerville	1	$1,811	50	+11.7%	Elevated
Helmetta	1	$1,364	49	+11.0%	Elevated
Robertsville	1	$2,300	49	+9.4%	Elevated
Sewaren	1	$1,564	49	+13.4%	Elevated
Ocean Gate	1	$2,173	49	+16.0%	Elevated
Pine Brook	2	$2,158	49	+10.0%	Elevated
Allendale	1	$2,586	49	+11.2%	Elevated
Summit	1	$2,971	49	+8.5%	Elevated
Gibbsboro	1	$1,763	49	+12.1%	Elevated
Madison	1	$2,388	49	+10.1%	Elevated
Bridgeport	1	$1,602	49	+10.2%	Elevated
Annandale	1	$2,050	49	+12.2%	Elevated
Morristown	1	$2,401	49	+9.6%	Elevated
Grenloch	1	$1,589	49	+8.0%	Elevated
Shiloh	1	$1,757	48	+12.0%	Elevated
Jobstown	1	$2,132	48	+10.4%	Elevated
Bogota	2	$1,864	48	+10.6%	Elevated
Old Tappan	1	$2,214	48	+9.5%	Elevated
Woodbury Heights	1	$1,608	48	+11.3%	Elevated
Florham Park	1	$2,095	48	+10.6%	Elevated
Lincroft	1	$2,292	48	+10.2%	Elevated
Garfield	1	$1,627	48	+12.1%	Elevated
Moonachie	1	$1,566	48	+10.7%	Elevated
Bloomsbury	1	$1,543	48	+11.5%	Elevated
Hackensack	1	$1,786	48	+11.3%	Elevated
Port Republic	1	$2,274	48	+14.8%	Elevated
Roosevelt	3	$2,480	48	+10.8%	Elevated
Bound Brook	1	$1,599	48	+14.6%	Elevated
Chatham	1	$2,401	48	+9.2%	Elevated
Hillsborough	1	$1,783	48	+13.2%	Elevated
Six Mile Run	1	$1,607	48	+14.1%	Elevated
Rosenhayn	1	$1,699	48	+10.7%	Elevated
Mountainside	1	$2,010	48	+10.5%	Elevated
Camden	5	$1,668	47	+12.0%	Elevated
Kean University	1	$1,755	47	+12.6%	Elevated
Ridgefield	1	$1,757	47	+10.6%	Elevated
Yorketown	1	$2,193	47	+10.6%	Elevated
Matawan	1	$1,807	47	+10.6%	Elevated
Paulsboro	1	$1,556	47	+11.8%	Elevated
West Freehold	1	$2,072	47	+11.4%	Elevated
Wrightstown	1	$1,943	47	+11.7%	Elevated
Park Ridge	1	$1,882	47	+9.9%	Elevated
Stockton	1	$2,169	47	+10.8%	Elevated
Boonton	1	$1,842	47	+9.4%	Elevated
Milltown	2	$1,637	47	+11.4%	Elevated
Newfoundland	1	$1,803	47	+10.4%	Elevated
Glen Rock	1	$2,037	47	+9.5%	Elevated
Lambertville	1	$1,847	47	+11.9%	Elevated
Carteret	1	$1,459	47	+11.9%	Elevated
Sea Isle City	1	$3,431	47	+7.9%	Elevated
Keansburg	1	$1,808	47	+14.2%	Elevated
Somerville	1	$1,649	46	+12.8%	Elevated
Lakewood	1	$1,943	46	+12.8%	Elevated
Stone Harbor	1	$4,417	46	+8.0%	Elevated
Gillette	1	$1,732	46	+10.9%	Elevated
Toms River	2	$2,055	46	+13.8%	Elevated
Union Beach	3	$2,286	46	+11.5%	Elevated
Allenwood	3	$2,237	46	+14.4%	Elevated
Harrison	1	$1,814	46	+12.1%	Elevated
Lawnside	1	$1,716	46	+10.1%	Elevated
South Plainfield	2	$1,611	46	+11.6%	Elevated
Ridgefield Park	1	$1,646	46	+10.7%	Elevated
Jamesburg	1	$1,704	46	+11.9%	Elevated
Red Bank	1	$2,269	46	+8.9%	Elevated
Ramsey	1	$2,002	46	+9.2%	Elevated
Linwood	1	$2,805	46	+12.7%	Elevated
Lodi	1	$1,604	46	+11.1%	Elevated
North Haledon	1	$1,716	46	+11.4%	Elevated
Belford	1	$1,979	46	+12.6%	Elevated
Moorestown-Lenola	1	$2,517	46	+9.7%	Elevated
New Milford	1	$1,636	46	+11.2%	Elevated
Lawrenceville	1	$1,716	46	+13.1%	Elevated
Oradell	1	$1,969	46	+9.3%	Elevated
Paramus	1	$1,887	46	+10.7%	Elevated
Hampton	2	$1,950	46	+11.0%	Elevated
Frenchtown	1	$1,846	46	+12.4%	Elevated
Hasbrouck Heights	1	$1,639	46	+10.5%	Elevated
Erma	1	$2,398	45	+12.7%	Elevated
Bergenfield	1	$1,651	45	+11.2%	Elevated
Plainfield	3	$1,731	45	+11.7%	Elevated
Hillsdale	2	$1,850	45	+10.2%	Elevated
Spotswood	1	$1,415	45	+11.6%	Elevated
Pleasantdale	1	$1,981	45	+10.5%	Elevated
Deans	1	$1,560	45	+10.7%	Elevated
Shrewsbury	1	$2,332	45	+9.5%	Elevated
Palisades Park	1	$1,858	45	+11.5%	Elevated
Long Valley	1	$1,884	45	+10.4%	Elevated
Allentown	1	$2,164	45	+14.5%	Elevated
Port Norris	1	$1,758	45	+12.0%	Elevated
Richwood	1	$2,102	45	+12.4%	Elevated
Middlesex	1	$1,418	44	+11.5%	Elevated
Echelon	1	$2,024	44	+10.1%	Elevated
Laurence Harbor	1	$1,665	44	+9.2%	Elevated
White House Station	1	$1,919	44	+10.7%	Elevated
Gibbstown	1	$1,443	44	+10.7%	Elevated
Westville	1	$1,458	44	+10.6%	Elevated
Milmay	1	$2,068	44	+11.7%	Elevated
Newtonville	1	$1,624	44	+8.4%	Elevated
Carlstadt	1	$1,604	44	+10.1%	Elevated
North Middletown	1	$2,135	44	+10.6%	Elevated
Haddonfield	1	$2,104	44	+8.9%	Elevated
South Bound Brook	1	$1,369	44	+14.5%	Elevated
Rutherford	1	$1,720	44	+9.9%	Elevated
Clayton	1	$1,542	44	+11.8%	Elevated
Avenel	1	$1,391	43	+11.8%	Elevated
River Edge	1	$1,707	43	+11.2%	Elevated
Alloway	1	$1,872	43	+12.2%	Elevated
Pompton Plains	1	$1,590	43	+9.9%	Elevated
Iselin	1	$1,323	43	+9.8%	Elevated
Rutgers University-Livingston Campus	2	$1,446	43	+11.2%	Elevated
Yardville	2	$1,662	43	+14.6%	Elevated
Fords	2	$1,425	43	+10.1%	Elevated
Flemington	1	$1,734	43	+10.8%	Elevated
Brookdale	1	$1,680	43	+11.1%	Elevated
Colonia	1	$1,524	43	+11.7%	Elevated
Cedarville	1	$1,722	43	+11.1%	Elevated
Glassboro	1	$1,574	43	+12.7%	Elevated
Pleasantville	1	$1,765	43	+11.6%	Elevated
Crosswicks	1	$1,987	43	+14.0%	Elevated
Cookstown	1	$1,816	43	+14.1%	Elevated
Absecon	1	$2,017	43	+12.6%	Elevated
Emerson	1	$1,687	42	+10.2%	Elevated
Sayreville	3	$1,559	42	+12.3%	Elevated
Northfield	1	$2,099	42	+12.8%	Elevated
Old Bridge	1	$1,558	42	+9.8%	Elevated
Port Monmouth	1	$2,012	42	+14.2%	Elevated
Smithville	1	$1,919	42	+14.3%	Elevated
Dumont	1	$1,548	42	+11.2%	Elevated
Roseland	2	$1,853	42	+10.3%	Elevated
Egg Harbor City	1	$1,768	42	+10.7%	Elevated
Pine Beach	3	$2,265	42	+17.4%	Elevated
Bridgeton	1	$1,695	42	+10.7%	Elevated
Salem	1	$1,627	42	+10.9%	Elevated
Riverdale	1	$1,504	41	+12.7%	Elevated
Raritan	1	$1,417	41	+13.4%	Elevated
Kendall Park	1	$1,562	41	+11.9%	Elevated
Buena	3	$1,598	41	+10.9%	Elevated
Wenonah	2	$1,554	41	+10.9%	Elevated
Malaga	1	$1,382	41	+9.7%	Elevated
Preakness	1	$1,825	41	+10.1%	Elevated
North Caldwell	1	$2,165	41	+9.5%	Elevated
Ross Corner	2	$1,821	41	+11.3%	Elevated
Waretown	1	$2,184	41	+18.9%	Elevated
Milford	1	$1,540	41	+10.2%	Elevated
Mount Royal	2	$1,527	41	+11.4%	Elevated
White Horse	1	$1,441	41	+13.0%	Elevated
New Egypt	1	$1,863	41	+13.6%	Elevated
Succasunna	1	$1,523	41	+11.0%	Elevated
Midland Park	1	$1,567	41	+9.1%	Elevated
Magnolia	1	$1,406	40	+10.3%	Moderate
Maywood	2	$1,507	40	+10.7%	Moderate
Quinton	1	$1,594	40	+10.7%	Moderate
Beverly	3	$1,650	40	+12.5%	Moderate
Lakehurst	1	$1,522	40	+13.8%	Moderate
Villas	1	$2,241	40	+20.3%	Moderate
Great Notch	1	$1,860	40	+10.3%	Moderate
Springdale	1	$2,052	40	+9.3%	Moderate
Woodbridge	1	$1,462	40	+9.9%	Moderate
Wallington	1	$1,492	40	+10.5%	Moderate
Lindenwold	1	$1,533	40	+10.6%	Moderate
Stewartsville	1	$1,615	40	+11.2%	Moderate
Forked River	1	$2,146	40	+18.2%	Moderate
Whippany	1	$1,602	40	+10.7%	Moderate
Lincoln Park	3	$1,589	40	+11.0%	Moderate
Springfield	1	$1,711	40	+10.2%	Moderate
Beckett	1	$1,757	40	+10.3%	Moderate
East Rutherford	1	$1,582	40	+11.2%	Moderate
Sicklerville	1	$1,771	39	+11.8%	Moderate
Fair Lawn	1	$1,537	39	+10.7%	Moderate
Ramtown	1	$1,768	39	+12.2%	Moderate
Kearny	1	$1,810	39	+13.1%	Moderate
Pennsville	2	$1,529	39	+17.6%	Moderate
Mercerville	1	$1,460	39	+13.6%	Moderate
White Meadow Lake	1	$1,440	39	+10.4%	Moderate
Lake Hopatcong	1	$1,438	39	+8.9%	Moderate
Netcong	1	$1,381	39	+12.2%	Moderate
Medford Lakes	1	$2,005	39	+10.6%	Moderate
Oaklyn	1	$1,564	39	+9.8%	Moderate
Hamilton Square	1	$1,486	39	+14.2%	Moderate
Pitman	1	$1,552	39	+10.7%	Moderate
Mount Tabor	1	$1,441	39	+10.7%	Moderate
Williamstown	1	$1,640	39	+11.4%	Moderate
Clinton	1	$1,635	39	+9.7%	Moderate
National Park	1	$1,371	39	+9.2%	Moderate
Waldwick	1	$1,572	39	+10.7%	Moderate
North Arlington	2	$1,510	39	+11.0%	Moderate
Sewell	1	$1,738	38	+10.9%	Moderate
Vineland	3	$1,604	38	+10.9%	Moderate
Chesilhurst	1	$1,657	38	+10.9%	Moderate
Wanaque	2	$1,505	38	+11.9%	Moderate
Clifton	5	$1,608	38	+11.2%	Moderate
Juliustown	1	$1,784	38	+13.3%	Moderate
Rahway	1	$1,471	38	+12.2%	Moderate
Metuchen	1	$1,569	38	+10.1%	Moderate
Ringwood	1	$1,603	38	+10.5%	Moderate
Westfield	2	$1,872	38	+10.4%	Moderate
Glen Gardner	1	$1,741	38	+11.3%	Moderate
Woodland Park	1	$1,577	38	+10.6%	Moderate
Ocean Acres	1	$1,971	38	+15.0%	Moderate
Auburn	1	$1,889	38	+12.4%	Moderate
Hammonton	1	$1,814	38	+10.2%	Moderate
Macopin	1	$1,609	38	+12.1%	Moderate
Little Ferry	1	$1,559	38	+11.0%	Moderate
New Providence	2	$1,833	38	+10.1%	Moderate
Roselle	1	$1,545	38	+11.3%	Moderate
Bordentown	1	$1,729	38	+13.3%	Moderate
Carneys Point	1	$1,448	38	+11.4%	Moderate
Flanders	1	$1,579	38	+9.5%	Moderate
Totowa	1	$1,634	38	+9.6%	Moderate
Wood-Ridge	1	$1,528	37	+10.6%	Moderate
Ramblewood	3	$1,809	37	+11.6%	Moderate
Elmwood Park	2	$1,457	37	+10.9%	Moderate
Wharton	1	$1,365	37	+10.4%	Moderate
Great Meadows	1	$1,697	37	+12.6%	Moderate
Mystic Island	1	$1,953	37	+17.4%	Moderate
Cedar Knolls	1	$1,545	37	+9.6%	Moderate
Leisuretowne	1	$1,732	37	+11.7%	Moderate
Fanwood	2	$1,709	37	+10.5%	Moderate
Somers Point	1	$1,955	37	+14.2%	Moderate
Burlington	3	$1,758	37	+12.5%	Moderate
Riverton	1	$1,749	37	+11.8%	Moderate
Rainbow Lakes	1	$1,630	37	+10.6%	Moderate
Estell Manor	3	$1,734	37	+9.4%	Moderate
English Creek	1	$1,803	37	+11.0%	Moderate
Hewitt	1	$1,568	37	+11.6%	Moderate
Oakland	1	$1,651	37	+10.0%	Moderate
Vista Center	1	$1,824	37	+12.2%	Moderate
Merchantville	1	$1,607	36	+10.8%	Moderate
Othello	1	$1,932	36	+8.0%	Moderate
Pemberton Heights	1	$1,660	36	+12.8%	Moderate
Dorothy	1	$1,686	36	+8.8%	Moderate
Thorofare	1	$1,531	36	+11.4%	Moderate
Millville	1	$1,569	36	+9.7%	Moderate
Woodbury	1	$1,530	36	+11.2%	Moderate
Roebling	1	$1,560	36	+14.0%	Moderate
Lake Mohawk	1	$1,834	36	+10.0%	Moderate
Stratford	1	$1,506	36	+10.5%	Moderate
Franklin	1	$1,453	36	+11.7%	Moderate
Newport	1	$1,577	36	+8.8%	Moderate
Linden	1	$1,393	36	+11.7%	Moderate
Hainesburg	1	$1,677	36	+12.1%	Moderate
Browns Mills	2	$1,724	36	+11.8%	Moderate
Roselle Park	1	$1,491	36	+11.6%	Moderate
Ogdensburg	1	$1,356	36	+10.8%	Moderate
High Bridge	1	$1,342	36	+13.1%	Moderate
Silver Lake	1	$1,678	36	+11.3%	Moderate
Secaucus	1	$1,840	36	+11.4%	Moderate
Port Reading	1	$1,421	36	+12.1%	Moderate
Beachwood	1	$1,743	35	+14.5%	Moderate
Hawthorne	1	$1,603	35	+10.7%	Moderate
Oak Ridge	1	$1,460	35	+10.3%	Moderate
Parsippany	1	$1,462	35	+10.1%	Moderate
Pedricktown	1	$1,625	35	+12.2%	Moderate
Kenilworth	1	$1,350	35	+11.4%	Moderate
Morris Plains	1	$1,597	35	+9.7%	Moderate
West Berlin	1	$1,477	35	+11.3%	Moderate
Barnegat	1	$1,860	35	+14.0%	Moderate
Gloucester City	1	$1,535	35	+11.6%	Moderate
Union	1	$1,550	35	+12.4%	Moderate
Westmont	1	$1,595	34	+9.8%	Moderate
Beesleys Point	1	$2,070	34	+8.9%	Moderate
Blackwood	1	$1,590	34	+10.8%	Moderate
Budd Lake	1	$1,452	34	+12.0%	Moderate
Lake Hiawatha	1	$1,246	34	+10.8%	Moderate
Marlton	1	$1,621	34	+11.4%	Moderate
Landing	1	$1,294	34	+9.5%	Moderate
Haddon Heights	1	$1,661	34	+9.6%	Moderate
Cherry Hill Mall	2	$1,484	34	+10.8%	Moderate
Berlin	1	$1,579	34	+10.1%	Moderate
Garwood	1	$1,462	34	+11.0%	Moderate
Rio Grande	1	$1,857	34	+12.7%	Moderate
Kenvil	2	$1,299	33	+10.1%	Moderate
Runnemede	1	$1,436	33	+10.6%	Moderate
Florence	1	$1,630	33	+15.1%	Moderate
Bloomingdale	1	$1,424	33	+10.6%	Moderate
Cranford	1	$1,658	33	+11.2%	Moderate
Atco	1	$1,632	33	+11.8%	Moderate
Olivet	2	$1,759	33	+11.2%	Moderate
Pompton Lakes	1	$1,471	32	+10.9%	Moderate
Barclay	1	$1,622	32	+9.5%	Moderate
Marksboro	1	$1,777	32	+11.4%	Moderate
Crestwood Village	1	$1,377	32	+12.9%	Moderate
Port Elizabeth	1	$1,791	32	+15.2%	Moderate
Belvidere	1	$1,302	32	+11.0%	Moderate
Audubon	1	$1,556	32	+10.8%	Moderate
Phillipsburg	1	$1,297	32	+12.0%	Moderate
Cape May Court House	1	$1,766	32	+8.0%	Moderate
Glendora	1	$1,486	31	+11.8%	Moderate
Palmyra	1	$1,499	31	+10.6%	Moderate
Somerdale	1	$1,486	31	+10.3%	Moderate
Dover	1	$1,337	31	+11.4%	Moderate
Vernon Center	2	$1,466	30	+11.5%	Moderate
Barrington	1	$1,383	30	+9.6%	Moderate
Highland Lakes	1	$1,349	30	+10.7%	Moderate
Newton	1	$1,539	30	+10.7%	Moderate
Bellmawr	1	$1,339	29	+9.8%	Moderate
Mount Ephraim	1	$1,348	29	+9.1%	Moderate
Hackettstown	1	$1,480	29	+11.9%	Moderate
Holiday City-Berkeley	1	$1,301	28	+12.8%	Moderate
Oxford	1	$1,446	28	+11.5%	Moderate
Sussex	1	$1,477	28	+10.2%	Moderate
Hopatcong	2	$1,477	27	+9.8%	Moderate
Layton	3	$1,491	27	+10.3%	Moderate
Brass Castle	1	$1,362	27	+10.4%	Moderate
Hamburg	1	$1,405	26	+10.4%	Moderate
Byram Center	1	$1,364	26	+9.7%	Moderate
Seaville	1	$1,664	25	+7.9%	Moderate
Port Murray	1	$1,526	25	+11.3%	Moderate
Vernon Valley	1	$1,520	25	+10.0%	Moderate

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Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.