Home Insurance in Audubon, New Jersey
Homes in Audubon carry a median value of $307,400 - 7% higher than the Camden County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Audubon was built in 1939 or earlier. About 84% of homes were built before 1960, about 44 points above Camden County's 40%.
In Audubon, the housing stock is 76% single-family homes and 9% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 68% of owner-occupied homes in Audubon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Audubon are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Audubon - 75% - are primarily heated with natural gas.
FEMA rates Camden County's overall risk as Relatively Moderate, led by winter weather (Very High). Camden County had 1,560 active NFIP flood policies as of September 2026. See the full Camden 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 | $307,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Camden County | 1,560 |
| 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)