New Jersey natural disaster risk
Ratings for all 21 counties, the federal disaster record and flood insurance across the state.
New Jersey has had 42 major federal disaster declarations for natural events since 1953. FEMA expects about $3.2 billion a year in losses from natural hazards across the state. Inland flooding is the costliest hazard in 21 of its 21 counties. None is rated Very High overall. About 5% of homes carry federal flood insurance, and the program has paid $6.5 billion on 201,761 claims here since 1978.
Lowest risk (50,000+ people)
Top hazards
Largest counties
Bergen County
955,459 people
Inland floodingEssex County
863,448 people
Inland floodingMiddlesex County
862,614 people
Inland floodingHudson County
723,485 people
Inland floodingMonmouth County
643,237 people
Inland floodingOcean County
636,993 people
Inland floodingUnion County
575,179 people
Inland floodingPassaic County
523,958 people
Inland floodingCamden County
523,339 people
Inland floodingMorris County
508,868 people
Inland floodingBurlington County
461,561 people
Inland floodingMercer County
386,483 people
Inland floodingAll 21 counties
| Name | People | Overall risk | Top hazard | Declarations | Homes insured |
|---|---|---|---|---|---|
| Atlantic County | 274,261 | Inland flooding | 33 | 14.4% | |
| Bergen County | 955,459 | Inland flooding | 28 | 2.2% | |
| Burlington County | 461,561 | Inland flooding | 28 | 2.1% | |
| Camden County | 523,339 | Inland flooding | 22 | 0.9% | |
| Cape May County | 95,244 | Inland flooding | 31 | 40.1% | |
| Cumberland County | 154,088 | Inland flooding | 28 | 0.9% | |
| Essex County | 863,448 | Inland flooding | 29 | 1.9% | |
| Gloucester County | 302,128 | Inland flooding | 25 | 0.9% | |
| Hudson County | 723,485 | Inland flooding | 20 | 3.5% | |
| Hunterdon County | 128,867 | Inland flooding | 23 | 1.5% | |
| Mercer County | 386,483 | Inland flooding | 25 | 1.2% | |
| Middlesex County | 862,614 | Inland flooding | 27 | 1.2% | |
| Monmouth County | 643,237 | Inland flooding | 25 | 7.4% | |
| Morris County | 508,868 | Inland flooding | 30 | 1.5% | |
| Ocean County | 636,993 | Inland flooding | 30 | 16.6% | |
| Passaic County | 523,958 | Inland flooding | 26 | 2.2% | |
| Salem County | 64,822 | Inland flooding | 23 | 7% | |
| Somerset County | 345,266 | Inland flooding | 27 | 1.4% | |
| Sussex County | 144,119 | Inland flooding | 25 | 0.3% | |
| Union County | 575,179 | Inland flooding | 26 | 2.9% | |
| Warren County | 109,580 | Inland flooding | 24 | 1.1% |
Linked names have a full page. Overall risk from the FEMA National Risk Index (December 2025); declarations are federal disaster and emergency declarations for natural events since 1953 (OpenFEMA); homes insured is the share with NFIP flood policies.