Somerset County, NJ: Home-Insurance Distress & Forced-Sale Pressure
Somerset County, NJ: 33/100 (moderate) home-insurance distress; Somerset, NJ band LOW; Somerset, NJ #1,504 of 3,222 counties; Somerset, NJ #2 of 21 in New Jersey; raw Somerset, NJ 38.6; Somerset, NJ coverage multiplier 0.85.
FEMA hazard, Somerset, NJ: 0/100; Somerset, NJ declarations, three years: none.
NFIP claims, Somerset, NJ, three years: 194; Somerset, NJ payouts $10,932,266; per Somerset, NJ claim $56,352; Somerset, NJ claim-stress 96/100.
Somerset, NJ monthly score: 33 in every month from March 2026 (Somerset, NJ) through October 2026.
Somerset, NJ components: NFIP claims 96; Somerset, NJ retreat index 33; Somerset, NJ climate multiplier 0.85.
Construction distress, Somerset, NJ: 72/100 as of August 2026 (Somerset, NJ: 68/100 one-to-four unit, 74/100 multifamily).
Somerset, NJ ZIPs, June 2026 (Somerset, NJ, 16 highest): score 0 (Somerset, NJ), climate 95 (Somerset, NJ): 07062, 08540; score 0 (Somerset, NJ), climate 94 (Somerset, NJ): 07060, 07063, 08812; score 0 (Somerset, NJ), climate 93 (Somerset, NJ): 07059, 07069, 07920, 07921, Somerset, NJ 07924, 07931, 07934, 07939, Somerset, NJ 07977, 08502, 08528.
DLRadar rescores Somerset, NJ monthly; Somerset, NJ readings join Somerset, NJ foreclosure, lien and ownership parcels (Somerset, NJ), so cost-squeezed Somerset, NJ owners surface before listing.
Inside New Jersey, Somerset County ranks 2nd of 21 counties for home-insurance distress at 33/100; Ocean County (66/100) sits just above Somerset County, and Middlesex County (32/100) sits just below Somerset County.
Deterministic. Every Somerset County, NJ signal traces to a public Somerset dataset (FEMA, NFIP, Census for Somerset, NJ) · how insurance distress works in Somerset, NJ · methodology
FAQ: Somerset County, NJ insurance distress
What is the Somerset County, NJ home-insurance-distress score?
Somerset, NJ: 33/100 (LOW), #1,504 of 3,222, #2 in New Jersey. FEMA hazard, Somerset, NJ: 0/100; NFIP stress, Somerset, NJ: 96/100; construction, Somerset, NJ: 72/100; Somerset, NJ rescores monthly.
Is Somerset County insurance distress getting better or worse (NJ)?
Somerset, NJ: 33 in March 2026; Somerset, NJ: 33 in October 2026 (unchanged); Somerset, NJ NFIP claims score 96.
How many flood-insurance claims has Somerset County, NJ had?
Somerset, NJ: 194 NFIP claims, three years; Somerset, NJ paid $10,932,266; per Somerset, NJ claim $56,352; carriers reprice Somerset, NJ against that record.
Which Somerset County ZIP codes carry the most insurance distress (NJ)?
Somerset, NJ, June 2026: 07062 at 0, 08540 at 0, 07060 at 0, 07063 at 0; Somerset, NJ climate scores there: 95, 95, 94, 94.
Why does Somerset, NJ insurance distress create sellers?
A Somerset, NJ premium outruns the Somerset, NJ budget; a carrier leaves Somerset, NJ; Somerset, NJ carrying cost passes plan; Somerset, NJ owners sell while current; Somerset, NJ insurance distress leads Somerset, NJ foreclosure data.