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

Low4

Moderate8

Elevated9

High0

Dominant hazards

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

Winter weather — 17 counties
Flooding — 17 counties
Extreme heat — 5 counties
Tornado — 4 counties

Highest-risk counties

County	FEMA composite	Score
Bergen County	Relatively High	98
Essex County	Relatively High	98
Middlesex County	Relatively High	98
Hudson County	Relatively High	97
Monmouth County	Relatively High	96
Ocean County	Relatively High	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 2026-07-08