Cumberland County, NJ: Home-Insurance Distress & Forced-Sale Pressure
Cumberland County, NJ: 21/100 (low) home-insurance distress; Cumberland, NJ band LOW; Cumberland, NJ #2,084 of 3,222 counties; Cumberland, NJ #20 of 21 in New Jersey; raw Cumberland, NJ 25.0; Cumberland, NJ coverage multiplier 0.85.
FEMA hazard, Cumberland, NJ: 0/100; Cumberland, NJ declarations, three years: none.
NFIP claims, Cumberland, NJ, three years: 5; Cumberland, NJ payouts $14,661; per Cumberland, NJ claim $2,932; Cumberland, NJ claim-stress 63/100.
Cumberland, NJ monthly score fell, 22 (March 2026) to 21 (October 2026); Cumberland, NJ by month: March 22, April 22, May 22, June 22 (Cumberland, NJ), July 22, August 22, September 22, October 21.
Cumberland, NJ components: NFIP claims 63; Cumberland, NJ retreat index 21; Cumberland, NJ climate multiplier 0.85.
Construction distress, Cumberland, NJ: 52/100 as of August 2026 (Cumberland, NJ: 46/100 one-to-four unit, 84/100 multifamily).
Cumberland, NJ ZIPs, June 2026 (Cumberland, NJ, 16 highest): score 0 (Cumberland, NJ), climate 91 (Cumberland, NJ): 08270; score 0 (Cumberland, NJ), climate 87 (Cumberland, NJ): 08344; score 0 (Cumberland, NJ), climate 85 (Cumberland, NJ): 08360; score 0 (Cumberland, NJ), climate 84 (Cumberland, NJ): 08340; score 0 (Cumberland, NJ), climate 82 (Cumberland, NJ): 08302, 08311, 08314, 08316, Cumberland, NJ 08320, 08321, 08323, 08324, Cumberland, NJ 08327, 08329, 08332, 08345.
DLRadar rescores Cumberland, NJ monthly; Cumberland, NJ readings join Cumberland, NJ foreclosure, lien and ownership parcels (Cumberland, NJ), so cost-squeezed Cumberland, NJ owners surface before listing.
Inside New Jersey, Cumberland County ranks 20th of 21 counties for home-insurance distress at 21/100; Warren County (23/100) sits just above Cumberland County, and Sussex County (5/100) sits just below Cumberland County.
Deterministic. Every Cumberland County, NJ signal traces to a public Cumberland dataset (FEMA, NFIP, Census for Cumberland, NJ) · how insurance distress works in Cumberland, NJ · methodology
FAQ: Cumberland County, NJ insurance distress
What is the Cumberland County, NJ home-insurance-distress score?
Cumberland, NJ: 21/100 (LOW), #2,084 of 3,222, #20 in New Jersey. FEMA hazard, Cumberland, NJ: 0/100; NFIP stress, Cumberland, NJ: 63/100; construction, Cumberland, NJ: 52/100; Cumberland, NJ rescores monthly.
Is Cumberland County insurance distress getting better or worse (NJ)?
Cumberland, NJ: 22 in March 2026; Cumberland, NJ: 21 in October 2026 (better); Cumberland, NJ NFIP claims score 63.
How many flood-insurance claims has Cumberland County, NJ had?
Cumberland, NJ: 5 NFIP claims, three years; Cumberland, NJ paid $14,661; per Cumberland, NJ claim $2,932; carriers reprice Cumberland, NJ against that record.
Which Cumberland County ZIP codes carry the most insurance distress (NJ)?
Cumberland, NJ, June 2026: 08270 at 0, 08344 at 0, 08360 at 0, 08340 at 0; Cumberland, NJ climate scores there: 91, 87, 85, 84.
Why does Cumberland, NJ insurance distress create sellers?
A Cumberland, NJ premium outruns the Cumberland, NJ budget; a carrier leaves Cumberland, NJ; Cumberland, NJ carrying cost passes plan; Cumberland, NJ owners sell while current; Cumberland, NJ insurance distress leads Cumberland, NJ foreclosure data.