Home Insurance in Westville, New Jersey
With a median home value of $196,000, Westville is 37% lower than the Gloucester County median.
The typical home in Westville was built around 1949. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 59% of homes were built before 1960, about 34 points above Gloucester County's 25%.
The housing stock in Westville is 65% single-family homes and 9% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Westville, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Westville has an owner-occupancy rate of 57% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Westville - 67% - are primarily heated with natural gas.
What's the biggest home insurance risk near Westville? FEMA's National Risk Index points to winter weather (Very High) in Gloucester County and 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.
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 | $196,000 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)