STATE RISK ROLL-UP

New Jersey

Across 21 counties, FEMA rates 9 elevated or higher for overall natural-hazard risk. Here's what drives it — and where it concentrates.

How the counties rate

Baixo4

Moderado8

Elevado9

Alto0

Dominant hazards

The hazards most often rated elevated or higher across New Jersey's counties:

Ventos fortes — 21 counties
Tempo de inverno — 17 counties
Raios — 13 counties
Inundações — 13 counties

Highest-risk counties

County	FEMA composite	Score
Bergen County	Relativamente elevado	98
Essex County	Relativamente elevado	98
Middlesex County	Relativamente elevado	98
Hudson County	Relativamente elevado	97
Monmouth County	Relativamente elevado	96
Ocean County	Relativamente elevado	96

State figures are a roll-up of FEMA National Risk Index county data (counts and rankings), not an official FEMA state rating. Risk is an estimate from a public model, not a guarantee — verify your specific insurance needs with a licensed professional. See the methodology.

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FEMA National Risk Index · as of 2026-07-10