Home Insurance in Bridgeton, New Jersey
The median home value in Bridgeton is $145,500, 34% lower than the Cumberland County median.
The typical home in Bridgeton was built around 1956. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 57% of homes were built before 1960, about 20 points above Cumberland County's 38%.
The housing stock in Bridgeton is 67% single-family homes and 17% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Bridgeton, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Bridgeton has an owner-occupancy rate of 36% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Bridgeton - 61% - 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.
Cumberland County had 424 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Cumberland County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $145,500 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 36% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Cumberland County | 424 |
| 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)