Home Insurance in Bellmawr, New Jersey
Homes in Bellmawr carry a median value of $239,400 - 17% lower than the Camden County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Bellmawr was built around 1959. About 52% of homes were built before 1960, about 12 points above Camden County's 40%.
Housing in Bellmawr breaks down to 77% single-family homes, 17% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
62% of owner-occupied homes in Bellmawr carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 64% of occupied homes in Bellmawr are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Bellmawr, 80% of homes 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.
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 | $239,400 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)