Home Insurance in Pine Hill, New Jersey
Homes in Pine Hill carry a median value of $204,600 - 29% lower than the Camden County median.
The typical home in Pine Hill was built around 1977. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 20% of homes were built before 1960, about 19 points below Camden County's 40%.
In Pine Hill, the housing stock is 62% single-family homes, 28% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 80% of owner-occupied homes in Pine Hill have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Pine Hill are owner-occupied.
In Pine Hill, 75% of homes 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 | $204,600 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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)