Property Atlas

County hazard profile

Hunterdon, NJ

New Jersey · pop. 128,867 · FIPS 34019

Relatively Low
FEMA risk rating · RATING
Strong Wind
dominant hazard
$69M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Hunterdon $69M

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 Low 78.69/100
national median ~50 higher than 79% of counties
Social vulnerabilityVery Low 10.62/100
national median ~50 among the lowest nationally
Community resilienceVery High 95.07/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Hunterdon

The National Flood Insurance Program has paid 1,571 flood-insurance claims totaling $39.6M in Hunterdon since 1978. The costliest year was 2021 ($15.1M paid).

Flood-insurance dollars paid by year of loss

1978: $0 paid 1979: $40,419 paid 1982: $631 paid 1983: $8,213 paid 1984: $60,480 paid 1986: $0 paid 1987: $0 paid 1988: $2,032 paid 1989: $27,871 paid 1990: $0 paid 1992: $257,431 paid 1993: $57,804 paid 1994: $21,421 paid 1996: $511,593 paid 1998: $0 paid 1999: $579,134 paid 2000: $841 paid 2001: $20,319 paid 2003: $5,223 paid 2004: $3,280,104 paid 2005: $6,513,827 paid 2006: $6,190,377 paid 2007: $434,608 paid 2008: $15,832 paid 2009: $335,708 paid 2010: $48,313 paid 2011: $5,804,050 paid 2012: $0 paid 2013: $0 paid 2014: $5,855 paid 2016: $0 paid 2018: $27,441 paid 2019: $3,803 paid 2020: $10,567 paid 2021: $15,086,608 paid 2022: $0 paid 2023: $56,099 paid 2024: $132,353 paid 2025: $14,696 paid 2021 · $15.1M 1978 2025
$39.6M
total paid
$25,177
average claim
$1.0M
largest single claim
78%
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 Hunterdon, NJ and where it ranks among U.S. counties. It is not a verdict on whether Hunterdon 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.