Home Insurance in Oaklyn, New Jersey
Homes in Oaklyn carry a median value of $279,000 - close to the Camden County median.
The typical home in Oaklyn was built around 1943. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 81% of homes were built before 1960, about 41 points above Camden County's 40%.
In Oaklyn, the housing stock is 66% single-family homes and 15% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Oaklyn, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Oaklyn are owner-occupied.
Most homes in Oaklyn - 75% - 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.
What's the biggest home insurance risk near Oaklyn? 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 | $279,000 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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
- Audubon Park
- Collingswood
- Audubon
- Woodlynne
- Mount Ephraim
- Haddon Heights
- Gloucester City
- Haddonfield
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)