Ranked from FEMA National Risk Index
Highest Expected Disaster Loss per Household in New Jersey
FEMA publishes an expected annual loss for every county, but the raw figure tracks how much there is to lose, so a national list of it is really a list of large metros. Dividing by occupied housing units gives the number an individual owner can use. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there. It is an actuarial average, not a forecast for any one year.
New Jersey ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Cape May County | $2,246 | Relatively Moderate | $395,000 |
| 2 | Salem County | $1,610 | Relatively Low | $223,000 |
| 3 | Hunterdon County | $1,362 | Relatively Low | $498,800 |
| 4 | Warren County | $1,274 | Relatively Low | $323,100 |
| 5 | Mercer County | $1,246 | Relatively High | $351,000 |
| 6 | Somerset County | $1,240 | Relatively Moderate | $523,900 |
| 7 | Atlantic County | $1,135 | Relatively Moderate | $272,700 |
| 8 | Monmouth County | $1,125 | Relatively High | $566,500 |
| 9 | Morris County | $1,085 | Relatively Moderate | $557,000 |
| 10 | Sussex County | $1,023 | Relatively Low | $342,800 |
| 11 | Burlington County | $999 | Relatively Moderate | $326,700 |
| 12 | Middlesex County | $924 | Relatively High | $439,300 |
| 13 | Bergen County | $911 | Relatively High | $593,200 |
| 14 | Ocean County | $844 | Relatively High | $366,600 |
| 15 | Passaic County | $836 | Relatively High | $439,400 |
| 16 | Cumberland County | $825 | Relatively Moderate | $205,600 |
| 17 | Union County | $809 | Relatively High | $488,800 |
| 18 | Gloucester County | $689 | Relatively Moderate | $283,500 |
| 19 | Essex County | $674 | Relatively High | $494,400 |
| 20 | Hudson County | $639 | Relatively High | $508,600 |
| 21 | Camden County | $608 | Relatively Moderate | $262,200 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Highest Expected Disaster Loss per Household across all 3,133 US counties · Every county in New Jersey