Home Insurance in Berlin, New Jersey
Homes in Berlin carry a median value of $336,300 - 17% higher than the Camden County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Berlin was built around 1975. About 34% of homes were built before 1960, about 6 points below Camden County's 40%.
Housing in Berlin breaks down to 75% single-family homes and 13% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
69% of owner-occupied homes in Berlin carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Berlin has an owner-occupancy rate of 71% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
83% of homes in Berlin are primarily heated with natural gas.
Camden County had 1,560 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). See the full Camden 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 | $336,300 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)