Home Insurance in Estell Manor, New Jersey
The median home value in Estell Manor is $307,600, close to the Atlantic County median.
The typical home in Estell Manor was built around 1986. About 16% of homes were built before 1960, about 13 points below Atlantic County's 28%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Estell Manor, the housing stock is 88% single-family homes, 2% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 59% of owner-occupied homes in Estell Manor have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Estell Manor has an owner-occupancy rate of 96% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In Estell Manor, 26% of homes are primarily heated with fuel oil. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Estell Manor? FEMA's National Risk Index points to strong wind (Very High) in Atlantic County and 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 | $307,600 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)