Home Insurance in Atlantic City, New Jersey
The median home value in Atlantic City is $207,400, 30% lower than the Atlantic County median.
The typical home in Atlantic City was built around 1963. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 46% of homes were built before 1960, about 18 points above Atlantic County's 28%.
The housing stock in Atlantic City is 32% single-family homes, 51% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 50% of owner-occupied homes in Atlantic City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Atlantic City has an owner-occupancy rate of 30% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
59% of homes in Atlantic City are primarily heated with natural gas.
Atlantic County's top FEMA-rated hazard is strong wind (Very High), per FEMA's National Risk Index. Atlantic County had 22,641 active NFIP flood policies as of September 2026. See the full Atlantic County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in New Jersey is $1,551 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $207,400 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 30% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Atlantic County | 22,641 |
| Home insurance premium | $1,551 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- 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)