Ocean County, NJ: Home-Insurance Distress & Forced-Sale Pressure
Ocean County, NJ: 66/100 (elevated) home-insurance distress; Ocean, NJ band MEDIUM; Ocean, NJ #741 of 3,222 counties; Ocean, NJ #1 of 21 in New Jersey.
FEMA hazard, Ocean, NJ: 52/100; Ocean, NJ declarations, three years: 2; Ocean, NJ perils: 2 fire; Ocean, NJ five-year count 3 (severity 6.0); Ocean, NJ ten-year 3; hazard-weighted, Ocean, NJ: 4.0.
Declared incidents on the Ocean, NJ record: 2025 Fire 3 (Ocean, NJ).
NFIP claims, Ocean, NJ, three years: 171; Ocean, NJ payouts $2,422,514; per Ocean, NJ claim $14,167; Ocean, NJ claim-stress 87/100.
Ocean, NJ monthly score fell, 74 (March 2026) to 71 (October 2026); Ocean, NJ by month: March 74, April 74, May 70, June 70 (Ocean, NJ), July 78, August 66, September 67, October 71.
Ocean, NJ components: climate 60, NFIP claims 87; Ocean, NJ retreat index 71.
Construction distress, Ocean, NJ: 87/100 as of August 2026 (Ocean, NJ: 81/100 one-to-four unit, 100/100 multifamily).
Ocean, NJ ZIPs, June 2026 (Ocean, NJ, 16 highest): score 0 (Ocean, NJ), climate 97 (Ocean, NJ): 08514; score 0 (Ocean, NJ), climate 96 (Ocean, NJ): 08005, 08006, 08008, 08050, Ocean, NJ 08092, 08527, 08533, 08701, Ocean, NJ 08721, 08722, 08723, 08724, Ocean, NJ 08731, 08732, 08733.
DLRadar rescores Ocean, NJ monthly; Ocean, NJ readings join Ocean, NJ foreclosure, lien and ownership parcels (Ocean, NJ), so cost-squeezed Ocean, NJ owners surface before listing.
Inside New Jersey, Ocean County ranks 1st of 21 counties for home-insurance distress at 66/100; Somerset County (33/100) sits just below Ocean County.
Deterministic. Every Ocean County, NJ signal traces to a public Ocean dataset (FEMA, NFIP, Census for Ocean, NJ) · how insurance distress works in Ocean, NJ · methodology
FAQ: Ocean County, NJ insurance distress
What is the Ocean County, NJ home-insurance-distress score?
Ocean, NJ: 66/100 (MEDIUM), #741 of 3,222, #1 in New Jersey. FEMA hazard, Ocean, NJ: 52/100; NFIP stress, Ocean, NJ: 87/100; construction, Ocean, NJ: 87/100; Ocean, NJ rescores monthly.
Is Ocean County insurance distress getting better or worse (NJ)?
Ocean, NJ: 74 in March 2026; Ocean, NJ: 71 in October 2026 (better); Ocean, NJ climate component 60; Ocean, NJ NFIP claims score 87.
How many flood-insurance claims has Ocean County, NJ had?
Ocean, NJ: 171 NFIP claims, three years; Ocean, NJ paid $2,422,514; per Ocean, NJ claim $14,167; carriers reprice Ocean, NJ against that record.
Which Ocean County ZIP codes carry the most insurance distress (NJ)?
Ocean, NJ, June 2026: 08514 at 0, 08005 at 0, 08006 at 0, 08008 at 0; Ocean, NJ climate scores there: 97, 96, 96, 96.
Why does Ocean, NJ insurance distress create sellers?
A Ocean, NJ premium outruns the Ocean, NJ budget; a carrier leaves Ocean, NJ; Ocean, NJ carrying cost passes plan; Ocean, NJ owners sell while current; Ocean, NJ insurance distress leads Ocean, NJ foreclosure data.