Home Insurance in Shiloh, New Jersey
The median home value in Shiloh is $244,000, 10% higher than the Cumberland County median.
The typical home in Shiloh was built around 1951. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 73% of homes were built before 1960, about 35 points above Cumberland County's 38%.
In Shiloh, the housing stock is 93% single-family homes and 4% apartments in buildings with 5+ units.
About 42% of owner-occupied homes in Shiloh have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Shiloh has an owner-occupancy rate of 95% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Shiloh - 56% - 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.
FEMA rates Cumberland County's overall risk as Relatively Moderate, led by winter weather (Relatively High). Cumberland County had 424 active NFIP flood policies as of September 2026. 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 | $244,000 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)