Property Atlas

County hazard profile

Hudson, NJ

New Jersey · pop. 723,485 · FIPS 34017

Relatively High
FEMA risk rating · RATING
Heat Wave
dominant hazard
$189M
modeled expected annual loss/yr

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

near the national middle (58th percentile)

national median $15M/yr Hudson $189M

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 97.23/100
national median ~50 among the highest nationally
Social vulnerabilityVery High 84.38/100
national median ~50 higher than 84% of counties
Community resilienceRelatively Moderate 47.36/100
national median ~50 near the national middle (47th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Hudson

The National Flood Insurance Program has paid 5,181 flood-insurance claims totaling $177.2M in Hudson since 1978. The costliest year was 2012 ($135.2M paid).

Flood-insurance dollars paid by year of loss

1978: $151,563 paid 1979: $1,387,399 paid 1980: $629,082 paid 1981: $428,550 paid 1982: $61,012 paid 1983: $612,172 paid 1984: $1,255,417 paid 1985: $778,677 paid 1986: $125,491 paid 1987: $679,803 paid 1988: $52,692 paid 1989: $657,145 paid 1990: $35,789 paid 1991: $13,723 paid 1992: $904,778 paid 1993: $56,441 paid 1994: $25,660 paid 1995: $585,242 paid 1996: $1,477,213 paid 1997: $69,333 paid 1998: $18,377 paid 1999: $1,392,023 paid 2001: $13,647 paid 2002: $32,564 paid 2003: $101,271 paid 2004: $396,720 paid 2005: $535,659 paid 2006: $134,364 paid 2007: $1,920,592 paid 2008: $10,287 paid 2009: $19,418 paid 2010: $1,914,570 paid 2011: $8,156,585 paid 2012: $135,238,191 paid 2013: $177,440 paid 2014: $70,430 paid 2015: $108,143 paid 2016: $395,661 paid 2017: $269,906 paid 2018: $581,413 paid 2019: $8,245 paid 2020: $410,483 paid 2021: $13,890,717 paid 2022: $79,140 paid 2023: $399,382 paid 2024: $745,640 paid 2025: $234,174 paid 2026: $0 paid 2012 · $135.2M 1978 2026
$177.2M
total paid
$34,210
average claim
$1.1M
largest single claim
83%
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 Hudson, NJ and where it ranks among U.S. counties. It is not a verdict on whether Hudson 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.