Home Insurance in Linwood, New Jersey
Homes in Linwood carry a median value of $394,700 - 34% higher than the Atlantic County median.
The typical home in Linwood was built around 1969. About 32% of homes were built before 1960, about 3 points above Atlantic County's 28%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Linwood is 94% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Linwood, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Linwood has an owner-occupancy rate of 94% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Linwood - 85% - 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in New Jersey carries a statewide average premium of $1,551 per year.
Key figures
| Median home value | $394,700 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)