Property Atlas

County hazard profile

Middlesex, NJ

New Jersey · pop. 862,614 · FIPS 34023

Relatively High
FEMA risk rating · RATING
Strong Wind
dominant hazard
$282M
modeled expected annual loss/yr

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

higher than 87% of counties

national median $15M/yr Middlesex $282M

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 97.77/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Moderate 47.39/100
national median ~50 near the national middle (47th percentile)
Community resilienceRelatively Moderate 45.48/100
national median ~50 near the national middle (45th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Middlesex

The National Flood Insurance Program has paid 5,247 flood-insurance claims totaling $164.5M in Middlesex since 1978. The costliest year was 2012 ($53.6M paid).

Flood-insurance dollars paid by year of loss

1978: $38,148 paid 1979: $106,556 paid 1980: $48,824 paid 1981: $20,975 paid 1982: $5,801 paid 1983: $27,534 paid 1984: $17,750 paid 1985: $4,344 paid 1986: $0 paid 1987: $620 paid 1988: $44,174 paid 1989: $315,168 paid 1990: $38,237 paid 1991: $164,307 paid 1992: $1,695,600 paid 1993: $2,861 paid 1994: $207,093 paid 1995: $64,570 paid 1996: $3,549,725 paid 1997: $31,024 paid 1998: $3,124 paid 1999: $7,759,254 paid 2000: $48,182 paid 2001: $103,538 paid 2002: $601 paid 2003: $238,063 paid 2004: $115,887 paid 2005: $791,321 paid 2006: $77,172 paid 2007: $4,146,974 paid 2008: $131,414 paid 2009: $48,069 paid 2010: $9,669,207 paid 2011: $28,840,941 paid 2012: $53,573,419 paid 2013: $25,130 paid 2014: $476,939 paid 2015: $62,514 paid 2016: $29,212 paid 2017: $2,589 paid 2018: $1,016,935 paid 2019: $314,899 paid 2020: $149,989 paid 2021: $41,646,954 paid 2022: $19,347 paid 2023: $721,507 paid 2024: $119,174 paid 2025: $7,966,641 paid 2026: $0 paid 2012 · $53.6M 1978 2026
$164.5M
total paid
$31,348
average claim
$1.3M
largest single claim
72%
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 Middlesex, NJ and where it ranks among U.S. counties. It is not a verdict on whether Middlesex 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.