Mercer County, NJ: Home-Insurance Distress & Forced-Sale Pressure
Mercer County, NJ: 24/100 (low) home-insurance distress; Mercer, NJ band LOW; Mercer, NJ #1,995 of 3,222 counties; Mercer, NJ #18 of 21 in New Jersey; raw Mercer, NJ 27.9; Mercer, NJ coverage multiplier 0.85.
FEMA hazard, Mercer, NJ: 0/100; Mercer, NJ declarations, three years: none.
NFIP claims, Mercer, NJ, three years: 15; Mercer, NJ payouts $47,156; per Mercer, NJ claim $3,144; Mercer, NJ claim-stress 70/100.
Mercer, NJ monthly score: 24 in every month from March 2026 (Mercer, NJ) through October 2026.
Mercer, NJ components: NFIP claims 70; Mercer, NJ retreat index 24; Mercer, NJ climate multiplier 0.85.
Construction distress, Mercer, NJ: 90/100 as of August 2026 (Mercer, NJ: 99/100 one-to-four unit, 40/100 multifamily).
Mercer, NJ ZIPs, June 2026 (Mercer, NJ, 16 highest): score 0 (Mercer, NJ), climate 97 (Mercer, NJ): 08501, 08512; score 0 (Mercer, NJ), climate 95 (Mercer, NJ): 08520, 08534, 08540, 08542, Mercer, NJ 08544, 08550, 08560, 08561, Mercer, NJ 08608, 08609, 08610, 08611, Mercer, NJ 08618, 08619.
DLRadar rescores Mercer, NJ monthly; Mercer, NJ readings join Mercer, NJ foreclosure, lien and ownership parcels (Mercer, NJ), so cost-squeezed Mercer, NJ owners surface before listing.
Inside New Jersey, Mercer County ranks 18th of 21 counties for home-insurance distress at 24/100; Salem County (25/100) sits just above Mercer County, and Warren County (23/100) sits just below Mercer County.
Deterministic. Every Mercer County, NJ signal traces to a public Mercer dataset (FEMA, NFIP, Census for Mercer, NJ) · how insurance distress works in Mercer, NJ · methodology
FAQ: Mercer County, NJ insurance distress
What is the Mercer County, NJ home-insurance-distress score?
Mercer, NJ: 24/100 (LOW), #1,995 of 3,222, #18 in New Jersey. FEMA hazard, Mercer, NJ: 0/100; NFIP stress, Mercer, NJ: 70/100; construction, Mercer, NJ: 90/100; Mercer, NJ rescores monthly.
Is Mercer County insurance distress getting better or worse (NJ)?
Mercer, NJ: 24 in March 2026; Mercer, NJ: 24 in October 2026 (unchanged); Mercer, NJ NFIP claims score 70.
How many flood-insurance claims has Mercer County, NJ had?
Mercer, NJ: 15 NFIP claims, three years; Mercer, NJ paid $47,156; per Mercer, NJ claim $3,144; carriers reprice Mercer, NJ against that record.
Which Mercer County ZIP codes carry the most insurance distress (NJ)?
Mercer, NJ, June 2026: 08501 at 0, 08512 at 0, 08520 at 0, 08534 at 0; Mercer, NJ climate scores there: 97, 97, 95, 95.
Why does Mercer, NJ insurance distress create sellers?
A Mercer, NJ premium outruns the Mercer, NJ budget; a carrier leaves Mercer, NJ; Mercer, NJ carrying cost passes plan; Mercer, NJ owners sell while current; Mercer, NJ insurance distress leads Mercer, NJ foreclosure data.