Home Insurance in Camden, New Jersey
The median home value in Camden is $112,000, 61% lower than the Camden County median.
The typical home in Camden was built around 1950. About 61% of homes were built before 1960, about 21 points above Camden County's 40%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Camden, the housing stock is 66% single-family homes, 18% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Camden, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 34% of occupied homes in Camden are owner-occupied.
In Camden, 64% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Camden? FEMA's National Risk Index points to winter weather (Very High) in Camden County and 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.
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 | $112,000 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 34% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)