Property Atlas

County hazard profile

Cumberland, NJ

New Jersey · pop. 154,088 · FIPS 34011

Relatively Moderate
FEMA risk rating · RATING
Winter Weather
dominant hazard
$44M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Cumberland $44M

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 Moderate 82.57/100
national median ~50 higher than 83% of counties
Social vulnerabilityRelatively Moderate 54.07/100
national median ~50 near the national middle (54th percentile)
Community resilienceRelatively High 65.08/100
national median ~50 near the national middle (65th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Cumberland

The National Flood Insurance Program has paid 756 flood-insurance claims totaling $12.8M in Cumberland since 1978. The costliest year was 2012 ($8.6M paid).

Flood-insurance dollars paid by year of loss

1978: $7,700 paid 1979: $78,211 paid 1980: $1,171,996 paid 1983: $0 paid 1984: $9,395 paid 1985: $269,153 paid 1986: $1,880 paid 1987: $17,803 paid 1989: $16,545 paid 1991: $846 paid 1992: $325,947 paid 1993: $139,616 paid 1994: $61,174 paid 1996: $37,807 paid 1997: $44,797 paid 1998: $9,952 paid 1999: $8,364 paid 2000: $683 paid 2001: $8,774 paid 2002: $8,925 paid 2003: $8,496 paid 2005: $45,335 paid 2006: $27,000 paid 2007: $61,534 paid 2008: $15,197 paid 2009: $28,646 paid 2010: $216,730 paid 2011: $951,804 paid 2012: $8,639,956 paid 2013: $5,696 paid 2014: $105,727 paid 2015: $19,546 paid 2016: $28,228 paid 2017: $3,354 paid 2018: $35,264 paid 2019: $14,530 paid 2020: $312,735 paid 2021: $0 paid 2023: $0 paid 2024: $10,488 paid 2025: $4,173 paid 2012 · $8.6M 1978 2025
$12.8M
total paid
$16,870
average claim
$325K
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 Cumberland, NJ and where it ranks among U.S. counties. It is not a verdict on whether Cumberland 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.