Property Atlas

County hazard profile

Bergen, NJ

New Jersey · pop. 955,459 · FIPS 34003

Relatively High
FEMA risk rating · RATING
Coastal Flooding
dominant hazard
$322M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the highest nationally

national median $15M/yr Bergen $322M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively High 97.84/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Low 33.97/100
national median ~50 lower than most counties (34th percentile)
Community resilienceRelatively High 76.08/100
national median ~50 higher than 76% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Bergen

The National Flood Insurance Program has paid 14,466 flood-insurance claims totaling $432.6M in Bergen since 1978. The costliest year was 2012 ($129.8M paid).

Flood-insurance dollars paid by year of loss

1978: $343,307 paid 1979: $681,212 paid 1980: $288,946 paid 1981: $209,928 paid 1982: $72,453 paid 1983: $319,690 paid 1984: $2,619,430 paid 1985: $179,457 paid 1986: $31,001 paid 1987: $168,410 paid 1988: $0 paid 1989: $408,962 paid 1990: $869,005 paid 1991: $471,461 paid 1992: $3,142,914 paid 1993: $4,205 paid 1994: $27,309 paid 1995: $64,865 paid 1996: $1,719,979 paid 1997: $709,116 paid 1998: $62,967 paid 1999: $36,922,040 paid 2000: $87,759 paid 2001: $272,299 paid 2002: $102,725 paid 2003: $641,913 paid 2004: $936,150 paid 2005: $3,098,584 paid 2006: $190,433 paid 2007: $41,333,327 paid 2008: $105,952 paid 2009: $383,657 paid 2010: $2,844,167 paid 2011: $105,450,427 paid 2012: $129,844,673 paid 2013: $176,209 paid 2014: $1,167,261 paid 2015: $199,483 paid 2016: $2,398 paid 2017: $1,730,400 paid 2018: $3,292,587 paid 2019: $332,551 paid 2020: $275,149 paid 2021: $79,265,504 paid 2022: $2,216,263 paid 2023: $2,847,077 paid 2024: $5,586,848 paid 2025: $901,866 paid 2026: $0 paid 2012 · $129.8M 1978 2026
$432.6M
total paid
$29,905
average claim
$1.0M
largest single claim
81%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Bergen, NJ and where it ranks among U.S. counties. It is not a verdict on whether Bergen is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.