21 counties · FEMA NRI December 2025
New Jersey: home risks by county
9 of 21 New Jersey counties are rated Relatively High or Very High for overall risk relative to other US counties. Sort the table to compare disaster declarations, flood-insurance claims and typical first freeze.
| County | Overall risk ↓ | Declarations | Flood claims | First freeze | Top hazard | Zone | Radon |
|---|---|---|---|---|---|---|---|
| Bergen County | Relatively High | 32 | 14,477 | Nov 4 | Coastal flooding (Very High) | 5A | 2 |
| Middlesex County | Relatively High | 30 | 5,251 | Oct 18 | Strong wind (Very High) | 4A | 2 |
| Essex County | Relatively High | 33 | 5,845 | Oct 28 | Strong wind (Very High) | 4A | 2 |
| Hudson County | Relatively High | 24 | 5,198 | Nov 10 | Coastal flooding (Very High) | 4A | 2 |
| Monmouth County | Relatively High | 28 | 20,039 | Oct 23 | Strong wind (Very High) | 4A | 1 |
| Ocean County | Relatively High | 33 | 52,884 | Oct 20 | Strong wind (Very High) | 4A | 3 |
| Passaic County | Relatively High | 30 | 14,385 | Oct 28 | Strong wind (Very High) | 5A | 2 |
| Union County | Relatively High | 30 | 7,525 | Nov 10 | Strong wind (Very High) | 4A | 2 |
| Mercer County | Relatively High | 28 | 2,432 | Nov 1 | Strong wind (Very High) | 5A | 1 |
| Burlington County | Relatively Moderate | 31 | 2,180 | Oct 28 | Strong wind (Very High) | 4A | 2 |
| Camden County | Relatively Moderate | 25 | 1,329 | Oct 28 | Winter weather (Very High) | 4A | 2 |
| Atlantic County | Relatively Moderate | 36 | 20,909 | Oct 29 | Strong wind (Very High) | 4A | 3 |
| Morris County | Relatively Moderate | 33 | 9,463 | Oct 28 | Winter weather (Very High) | 5A | 1 |
| Cape May County | Relatively Moderate | 34 | 28,016 | Oct 23 | Coastal flooding (Very High) | 4A | 3 |
| Somerset County | Relatively Moderate | 30 | 6,502 | Oct 18 | Inland flooding (Relatively High) | 5A | 1 |
| Gloucester County | Relatively Moderate | 28 | 709 | Nov 10 | Winter weather (Very High) | 4A | 2 |
| Cumberland County | Relatively Moderate | 31 | 756 | Oct 23 | Winter weather (Relatively High) | 4A | 2 |
| Warren County | Relatively Low | 27 | 1,273 | Oct 19 | Strong wind (Relatively High) | 5A | 1 |
| Hunterdon County | Relatively Low | 26 | 1,572 | Oct 18 | Strong wind (Relatively High) | 5A | 1 |
| Sussex County | Relatively Low | 28 | 192 | Oct 12 | Strong wind (Very High) | 5A | 1 |
| Salem County | Relatively Low | 26 | 824 | Nov 1 | Coastal flooding (Very High) | 4A | 2 |
Ratings are relative to other US counties, not probabilities. Counties without a link have too little public data for a full profile.
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