Home Insurance in Lawnside, New Jersey
The median home value in Lawnside is $240,700, 16% lower than the Camden County median.
The typical home in Lawnside was built around 1965. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 41% of homes were built before 1960, about 1 point above Camden County's 40%.
The housing stock in Lawnside is 78% single-family homes and 16% apartments in buildings with 5+ units.
About 52% of owner-occupied homes in Lawnside have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Lawnside are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Lawnside - 66% - 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 | $240,700 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)