Home Insurance in Northfield, New Jersey
With a median home value of $316,200, Northfield is 7% higher than the Atlantic County median.
The typical home in Northfield was built around 1965. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 37% of homes were built before 1960, about 9 points above Atlantic County's 28%.
Housing in Northfield breaks down to 90% single-family homes and 8% apartments in buildings with 5+ units.
In Northfield, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 88% of occupied homes in Northfield are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
90% of homes in Northfield are primarily heated with natural gas.
Atlantic County had 22,641 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Very High). 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 | $316,200 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)