Home Insurance in Runnemede, New Jersey
With a median home value of $252,300, Runnemede is 12% lower than the Camden County median.
The typical home in Runnemede was built around 1958. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 57% of homes were built before 1960, about 17 points above Camden County's 40%.
The housing stock in Runnemede is 78% single-family homes and 18% apartments in buildings with 5+ units.
About 70% of owner-occupied homes in Runnemede have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Runnemede 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. 82% of homes in Runnemede 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.
The statewide average premium for a standard HO-3 homeowners policy in New Jersey is $1,551 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $252,300 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)