Ranked from FEMA National Risk Index
Lowest Expected Disaster Loss per Household in New Jersey
The counties where FEMA's expected annual loss per household is smallest. Low exposure is one of the few housing-cost advantages that never shows up in the listing price. It shows up in what an insurer actually charges, which is not the same as the insurance figure in these tables, since that is a statewide average and cannot vary by county. 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.
New Jersey ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Camden County | $608 | Relatively Moderate | $262,200 |
| 2 | Hudson County | $639 | Relatively High | $508,600 |
| 3 | Essex County | $674 | Relatively High | $494,400 |
| 4 | Gloucester County | $689 | Relatively Moderate | $283,500 |
| 5 | Union County | $809 | Relatively High | $488,800 |
| 6 | Cumberland County | $825 | Relatively Moderate | $205,600 |
| 7 | Passaic County | $836 | Relatively High | $439,400 |
| 8 | Ocean County | $844 | Relatively High | $366,600 |
| 9 | Bergen County | $911 | Relatively High | $593,200 |
| 10 | Middlesex County | $924 | Relatively High | $439,300 |
| 11 | Burlington County | $999 | Relatively Moderate | $326,700 |
| 12 | Sussex County | $1,023 | Relatively Low | $342,800 |
| 13 | Morris County | $1,085 | Relatively Moderate | $557,000 |
| 14 | Monmouth County | $1,125 | Relatively High | $566,500 |
| 15 | Atlantic County | $1,135 | Relatively Moderate | $272,700 |
| 16 | Somerset County | $1,240 | Relatively Moderate | $523,900 |
| 17 | Mercer County | $1,246 | Relatively High | $351,000 |
| 18 | Warren County | $1,274 | Relatively Low | $323,100 |
| 19 | Hunterdon County | $1,362 | Relatively Low | $498,800 |
| 20 | Salem County | $1,610 | Relatively Low | $223,000 |
| 21 | Cape May County | $2,246 | Relatively Moderate | $395,000 |
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
Lowest Expected Disaster Loss per Household across all 3,133 US counties · Every county in New Jersey