Bergen County, NJ: Home-Insurance Distress & Forced-Sale Pressure
Bergen County, NJ: 32/100 (moderate) home-insurance distress; Bergen, NJ band LOW; Bergen, NJ #1,570 of 3,222 counties; Bergen, NJ #4 of 21 in New Jersey; raw Bergen, NJ 37.5; Bergen, NJ coverage multiplier 0.85.
FEMA hazard, Bergen, NJ: 0/100; Bergen, NJ declarations, three years: none.
NFIP claims, Bergen, NJ, three years: 177; Bergen, NJ payouts $6,554,654; per Bergen, NJ claim $37,032; Bergen, NJ claim-stress 94/100.
Bergen, NJ monthly score: 32 in every month from March 2026 (Bergen, NJ) through October 2026.
Bergen, NJ components: NFIP claims 94; Bergen, NJ retreat index 32; Bergen, NJ climate multiplier 0.85.
Construction distress, Bergen, NJ: 40/100 as of August 2026 (Bergen, NJ: 61/100 one-to-four unit, 13/100 multifamily).
Bergen, NJ ZIPs, June 2026 (Bergen, NJ, 16 highest): score 0 (Bergen, NJ), climate 98 (Bergen, NJ): 07010, 07020, 07022, 07024, Bergen, NJ 07026, 07031, 07057, 07070, Bergen, NJ 07071, 07072, 07073, 07074, Bergen, NJ 07075, 07401, 07407, 07410.
DLRadar rescores Bergen, NJ monthly; Bergen, NJ readings join Bergen, NJ foreclosure, lien and ownership parcels (Bergen, NJ), so cost-squeezed Bergen, NJ owners surface before listing.
Inside New Jersey, Bergen County ranks 4th of 21 counties for home-insurance distress at 32/100; Middlesex County (32/100) sits just above Bergen County, and Union County (31/100) sits just below Bergen County.
Deterministic. Every Bergen County, NJ signal traces to a public Bergen dataset (FEMA, NFIP, Census for Bergen, NJ) · how insurance distress works in Bergen, NJ · methodology
FAQ: Bergen County, NJ insurance distress
What is the Bergen County, NJ home-insurance-distress score?
Bergen, NJ: 32/100 (LOW), #1,570 of 3,222, #4 in New Jersey. FEMA hazard, Bergen, NJ: 0/100; NFIP stress, Bergen, NJ: 94/100; construction, Bergen, NJ: 40/100; Bergen, NJ rescores monthly.
Is Bergen County insurance distress getting better or worse (NJ)?
Bergen, NJ: 32 in March 2026; Bergen, NJ: 32 in October 2026 (unchanged); Bergen, NJ NFIP claims score 94.
How many flood-insurance claims has Bergen County, NJ had?
Bergen, NJ: 177 NFIP claims, three years; Bergen, NJ paid $6,554,654; per Bergen, NJ claim $37,032; carriers reprice Bergen, NJ against that record.
Which Bergen County ZIP codes carry the most insurance distress (NJ)?
Bergen, NJ, June 2026: 07010 at 0, 07020 at 0, 07022 at 0, 07024 at 0; Bergen, NJ climate scores there: 98, 98, 98, 98.
Why does Bergen, NJ insurance distress create sellers?
A Bergen, NJ premium outruns the Bergen, NJ budget; a carrier leaves Bergen, NJ; Bergen, NJ carrying cost passes plan; Bergen, NJ owners sell while current; Bergen, NJ insurance distress leads Bergen, NJ foreclosure data.