New Jersey Home-Insurance Distress by County

New Jersey reads below the national norm for home-insurance distress — 21 counties averaging 29/100, 24th of 52 states.

New Jersey's reading rests on a FEMA hazard average of 2/100 and NFIP flood-claim stress of 80/100.

Over three years New Jersey counties filed 1,854 NFIP flood claims, $50,313,304 paid.

Highest in New Jersey: Ocean County 66/100 (#741 US), Somerset County 33/100 (#1504 US), Middlesex County 32/100 (#1506 US), Bergen County 32/100 (#1570 US), Union County 31/100 (#1574 US).

New Jersey counties by insurance band: 20 low (New Jersey), 1 medium; New Jersey NFIP claims, three years: 1,854; New Jersey payouts $50.3 million.

New Jersey counties with the most NFIP claims: Union 350 ($9.3 million); Somerset 194 ($10.9 million); Middlesex 184 ($8.2 million) in New Jersey; Bergen 177 ($6.6 million); Ocean 171 ($2.4 million).

New Jersey county average fell: 29.5 in March 2026; New Jersey reads 29.1 in October 2026; New Jersey by month: March 29.5, April 29.5, May 29.2 (New Jersey), June 29.2, July 29.6, August 29.0 (New Jersey), September 29.1, October 29.1.

Highest New Jersey ZIPs, insurance distress: 34224 81 (climate 94), 33955 81 (climate 94) in New Jersey, 33905 47 (climate 99), 33971 47 (climate 99) in New Jersey, 33907 47 (climate 99), 33972 47 (climate 99) in New Jersey.

Reading the New Jersey bands: 0 of 21 New Jersey counties sit in a high or worse insurance band; New Jersey filed 1,854 NFIP claims in three years, $50.3 million paid to New Jersey policyholders; a New Jersey county's band moves when FEMA hazard revisions, new New Jersey NFIP settlements or carrier filings change its monthly score.