Home Insurance in Atlantic County, New Jersey
The median home value in Atlantic County is $295,000, 35% lower than the New Jersey median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Atlantic County was built around 1978. About 28% of homes were built before 1960, about 9 points below New Jersey's 38%.
The housing stock in Atlantic County is 67% single-family homes, 21% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
60% of owner-occupied homes in Atlantic County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Atlantic County has an owner-occupancy rate of 69% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Atlantic County - 71% - are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Atlantic County's top hazards are strong wind (Very High), winter weather (Very High) and coastal flooding (Very High).
As of September 2026, Atlantic County has 22,641 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In New Jersey, the statewide average premium for a standard HO-3 homeowners policy is $1,551 per year (NAIC, 2023 data).
Key figures
| Median home value | $295,000 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Very High), Winter Weather (Very High), Coastal Flooding (Very High) |
| Active NFIP flood policies (county) | 22,641 |
| Home insurance premium | $1,551 - statewide average (NAIC, 2023 data) |
Towns and cities
- Absecon
- Atlantic City
- Brigantine
- Buena
- Corbin City
- Egg Harbor City
- Estell Manor
- Folsom
- Hammonton
- Linwood
- Longport
- Margate City
- Northfield
- Pleasantville
- Port Republic
- Somers Point
- Ventnor City
Sources
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)