Home Insurance in Burlington, New Jersey
Homes in Burlington carry a median value of $239,000 - 32% lower than the Burlington County median.
The typical home in Burlington was built around 1950. About 63% of homes were built before 1960, about 39 points above Burlington County's 24%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Burlington, the housing stock is 75% single-family homes and 17% apartments in buildings with 5+ units.
59% of owner-occupied homes in Burlington carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Burlington has an owner-occupancy rate of 62% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Burlington, 70% of homes are primarily heated with natural gas.
FEMA rates Burlington County's overall risk as Relatively Moderate, led by strong wind (Very High). Burlington County had 3,127 active NFIP flood policies as of September 2026. See the full Burlington 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 | $239,000 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Burlington County | 3,127 |
| 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)