Home Insurance in Mount Ephraim, New Jersey
With a median home value of $236,700, Mount Ephraim is 18% lower than the Camden County median.
The typical home in Mount Ephraim was built around 1957. About 58% of homes were built before 1960, about 18 points above Camden County's 40%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Mount Ephraim is 78% single-family homes and 16% apartments in buildings with 5+ units.
62% of owner-occupied homes in Mount Ephraim carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 68% of occupied homes in Mount Ephraim are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Mount Ephraim, 79% of homes 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 | $236,700 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)