New Jersey Home-Insurance Distress by County

Home-insurance distress across New Jersey is moderate but rising in pockets, with an average county insurance-distress score of 30/100 — the 22nd-highest of the 52 states and territories DLRadar scores. All 21 New Jersey counties are scored for the premium spikes, non-renewals and carrier exits that create insurance-driven sellers ahead of mortgage distress.

Over three years, New Jersey counties recorded 1,663 NFIP flood claims totaling $47,495,588 paid — the loss history insurers convert into higher premiums the next renewal.

The sharpest pressure concentrates in Ocean County (78/100, #403 nationally) and Somerset County. Scroll on for the full New Jersey county ranking, every row linking through to its report.

Behind the state number sit an average FEMA hazard score of 3/100 and average NFIP flood-claim stress of 80/100, the hazard basis insurers use to reprice New Jersey coverage.

Underneath the New Jersey headline sit three separable layers — hazard exposure, flood-loss history and carrier pullback — each scored on its own before rolling up, so the state number describes a mix of risks rather than a single cause.

Insurance pressure in New Jersey is most useful read against the rest: DLRadar aligns it with foreclosure, lender-stress and ownership data county by county, separating owners squeezed only by premiums from those under broader strain.

A moderate but rising in pockets statewide reading tells a New Jersey buyer the coverage squeeze is present but concentrated — the work is finding the counties carrying it, which the ranked list below does.

Because New Jersey is rebuilt monthly from fresh FEMA, NFIP and carrier inputs, its #22 national rank and county order move with actual conditions, not a fixed snapshot.

Treated properly, New Jersey's insurance distress is a lead source: it flags owners whose breaking point is the policy, and the ranked counties below are where to start.

In 1 New Jersey counties the score tops 70 (severe) — the markets where keeping a policy is the real problem.

The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — wired to parcel-level foreclosure and ownership records. That surfaces New Jersey's insurance-squeezed sellers ahead of the market.