Home Insurance in Wildwood Crest, New Jersey
Homes in Wildwood Crest carry a median value of $590,900 - 36% higher than the Cape May County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Wildwood Crest was built around 1970. About 41% of homes were built before 1960, about 15 points above Cape May County's 25%.
The housing stock in Wildwood Crest is 79% single-family homes, 10% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
48% of owner-occupied homes in Wildwood Crest carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 81% of occupied homes in Wildwood Crest are owner-occupied. The vacancy rate is 66%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
76% of homes in Wildwood Crest are primarily heated with natural gas.
Cape May County's top FEMA-rated hazard is coastal flooding (Very High), per FEMA's National Risk Index. Cape May County had 47,361 active NFIP flood policies as of September 2026. See the full Cape May County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in New Jersey carries a statewide average premium of $1,551 per year.
Key figures
| Median home value | $590,900 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Coastal Flooding (Very High) |
| Active NFIP policies in Cape May County | 47,361 |
| 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)