Home Insurance in Hi-Nella, New Jersey
Homes in Hi-Nella carry a median value of $262,000 - 9% lower than the Camden County median.
The typical home in Hi-Nella was built around 1964. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 41% of homes were built before 1960, about 2 points above Camden County's 40%.
The housing stock in Hi-Nella is 46% single-family homes and 42% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 77% of owner-occupied homes in Hi-Nella have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hi-Nella has an owner-occupancy rate of 40% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Hi-Nella - 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.
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 | $262,000 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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)