Home Insurance in Hammonton, New Jersey
With a median home value of $349,800, Hammonton is 19% higher than the Atlantic County median.
The typical home in Hammonton was built around 1973. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 33% of homes were built before 1960, about 4 points above Atlantic County's 28%.
In Hammonton, the housing stock is 75% single-family homes and 12% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 59% of owner-occupied homes in Hammonton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Hammonton are owner-occupied.
Most homes in Hammonton - 68% - 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.
FEMA rates Atlantic County's overall risk as Relatively Moderate, led by strong wind (Very High). 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.
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 | $349,800 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 71% |
| 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)