Home Insurance in Gloucester County, New Jersey
Homes in Gloucester County carry a median value of $310,400 - 32% lower than the New Jersey median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Gloucester County was built around 1980. About 25% of homes were built before 1960, about 13 points below New Jersey's 38%.
Housing in Gloucester County breaks down to 81% single-family homes, 11% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Gloucester County, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 80% of occupied homes in Gloucester County are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Gloucester County, 78% of homes 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.
The top hazards for Gloucester County, per FEMA's National Risk Index, are winter weather (Very High), strong wind (Relatively High) and earthquake (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Gloucester County had 903 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $310,400 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Strong Wind (Relatively High), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 903 |
| Home insurance premium | $1,551 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
National Park
- Median home value: $219,500
- Median year built: 1953
- Owner-occupied share: 86%
-
Newfield
- Median home value: $259,400
- Median year built: 1975
- Owner-occupied share: 91%
-
Paulsboro
- Median home value: $202,700
- Median year built: 1955
- Owner-occupied share: 62%
-
Woodbury
- Median home value: $222,700
- Median year built: 1948
- Owner-occupied share: 65%
Sources
- 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)