Home Insurance in Ventnor City, New Jersey
With a median home value of $363,000, Ventnor City is 23% higher than the Atlantic County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Ventnor City was built around 1962. About 47% of homes were built before 1960, about 18 points above Atlantic County's 28%.
The housing stock in Ventnor City is 58% single-family homes and 23% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
42% of owner-occupied homes in Ventnor City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Ventnor City has an owner-occupancy rate of 62% and a vacancy rate of 42%; unoccupied homes typically need a different coverage form.
70% of homes in Ventnor 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.
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 | $363,000 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)