Home Insurance in Collingswood, New Jersey
The median home value in Collingswood is $380,400, 32% higher than the Camden County median.
The typical home in Collingswood was built around 1941. About 71% of homes were built before 1960, about 32 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 Collingswood, the housing stock is 57% single-family homes and 27% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 69% of owner-occupied homes in Collingswood have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 57% of occupied homes in Collingswood are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Collingswood - 74% - are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $380,400 |
|---|---|
| Median year built | 1941 |
| Owner-occupied share | 57% |
| 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)