Home Insurance in Camden County, New Jersey
The median home value in Camden County is $287,100, 37% lower than the New Jersey median.
The typical home in Camden County was built around 1967. About 40% of homes were built before 1960, about 2 points above New Jersey's 38%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Camden County, the housing stock is 71% single-family homes, 20% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 65% of owner-occupied homes in Camden County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Camden County has an owner-occupancy rate of 65% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Camden County, 74% of homes are primarily heated with natural gas.
The top hazards for Camden County, per FEMA's National Risk Index, are winter weather (Very High), inland flooding (Relatively High) and strong wind (Relatively High).
Camden County had 1,560 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in New Jersey is $1,551 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $287,100 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Inland Flooding (Relatively High), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 1,560 |
| Home insurance premium | $1,551 - statewide average (NAIC, 2023 data) |
Towns and cities
- Audubon
- Audubon Park
- Barrington
- Bellmawr
- Berlin
- Brooklawn
- Camden
- Chesilhurst
- Clementon
- Collingswood
- Gibbsboro
- Gloucester City
- Haddon Heights
- Haddonfield
- Hi-Nella
- Laurel Springs
- Lawnside
- Lindenwold
- Magnolia
- Merchantville
- Mount Ephraim
- Oaklyn
- Pine Hill
- Runnemede
- Somerdale
- Stratford
- Tavistock
- Woodlynne
Sources
- 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)