Home Insurance in Clayton, New Jersey
The median home value in Clayton is $252,300, 19% lower than the Gloucester County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Clayton was built around 1975. About 36% of homes were built before 1960, about 11 points above Gloucester County's 25%.
Housing in Clayton breaks down to 84% single-family homes and 12% apartments in buildings with 5+ units.
About 78% of owner-occupied homes in Clayton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Clayton are owner-occupied.
In Clayton, 81% of homes are primarily heated with natural gas.
FEMA rates Gloucester County's overall risk as Relatively Moderate, led by winter weather (Very High). Gloucester County had 903 active NFIP flood policies as of September 2026. See the full Gloucester 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 | 1975 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 78% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Gloucester County | 903 |
| 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)