Property Atlas

County hazard profile

Somerset, NJ

New Jersey · pop. 345,266 · FIPS 34035

Relatively Moderate
FEMA risk rating · RATING
Riverine Flooding
dominant hazard
$161M
modeled expected annual loss/yr

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

near the national middle (50th percentile)

national median $15M/yr Somerset $161M

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 90.94/100
national median ~50 among the highest nationally
Social vulnerabilityVery Low 10.62/100
national median ~50 among the lowest nationally
Community resilienceVery High 93.26/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Somerset

The National Flood Insurance Program has paid 6,501 flood-insurance claims totaling $239.9M in Somerset since 1978. The costliest year was 2021 ($68.3M paid).

Flood-insurance dollars paid by year of loss

1978: $22,537 paid 1979: $264,440 paid 1980: $3,430 paid 1981: $13,092 paid 1982: $24,098 paid 1983: $19,750 paid 1984: $337,017 paid 1985: $1,963 paid 1986: $1,207 paid 1987: $2,840 paid 1988: $5,578 paid 1989: $30,964 paid 1990: $2,897 paid 1991: $19,372 paid 1992: $13,785 paid 1993: $6,935 paid 1994: $25,415 paid 1995: $12,582 paid 1996: $6,267,236 paid 1997: $125,760 paid 1998: $0 paid 1999: $40,657,160 paid 2000: $127,062 paid 2001: $13,106 paid 2002: $35,246 paid 2003: $66,727 paid 2004: $29,336 paid 2005: $244,839 paid 2006: $16,298 paid 2007: $38,742,357 paid 2008: $28,400 paid 2009: $14,609 paid 2010: $15,644,510 paid 2011: $56,140,900 paid 2012: $63,992 paid 2013: $203,824 paid 2014: $809,356 paid 2015: $12,880 paid 2016: $16,675 paid 2017: $26,713 paid 2018: $100,361 paid 2019: $28,519 paid 2020: $12,744 paid 2021: $68,284,423 paid 2022: $28,372 paid 2023: $349,076 paid 2024: $480,209 paid 2025: $10,490,934 paid 2021 · $68.3M 1978 2025
$239.9M
total paid
$36,897
average claim
$1.0M
largest single claim
74%
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 Somerset, NJ and where it ranks among U.S. counties. It is not a verdict on whether Somerset 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.