State Risk Profile
New Jersey NJ
New Jersey's climate risk is led by coastal flooding, inland runoff, and heat in dense older housing markets.
FloodHurricaneExtreme Heat
Statewide Profile
- Population
- 9.3M
- Insurance Market
- Moderate Pressure
- Cities Profiled
- 6
- Last Reviewed
- 2026-06-06
Risk Summary
New Jersey combines high-value coastal exposure with river and stormwater flooding in dense urban corridors.
Risk is strongest along the Shore and in flood-prone urban basins, with heat increasingly relevant across older housing stock.
Insurance Market
Insurance remains available but can be expensive in coastal, tidal, and repetitive-flood areas.
- Sandy-era flooding still shapes buyer and insurer behavior.
- Dense older housing raises resilience retrofit costs.
Notable Events
Significant state-level events
2012Hurricane
Superstorm Sandy
New Jersey remains one of the clearest examples of coastal housing vulnerability after Sandy.
2021Flood
Ida flooding
Rainfall flooding showed that inland and urban basins remain highly exposed.
City Directory
6 cities profiled in New Jersey
Atlantic City
Atlantic County
HurricaneFlood
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Top 10% most at-risk nationally
Hoboken
Hudson County
Extreme HeatFlood
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Top 5% most at-risk nationally
Jersey City
Hudson County
Extreme HeatFlood
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Top 5% most at-risk nationally
Newark
Essex County
Extreme HeatFlood
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Top 5% most at-risk nationally
Paterson
Passaic County
FloodExtreme Heat
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Top 5% most at-risk nationally
Trenton
Mercer County
FloodExtreme Heat
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Top 5% most at-risk nationally
Location Reports
Active Address Risk Reports in New Jersey
Explore parcel-level climate risk snapshots and insurance cost estimates for ZIP codes in New Jersey.
07001Avenel07002Bayonne07003Bloomfield07005Boonton07006Caldwell07008Carteret07010Cliffside Park07011Clifton07012Clifton07013Clifton07016Cranford07017East Orange07018East Orange07020Edgewater07022Fairview07024Fort Lee07026Garfield07029Harrison07030Hoboken07031North Arlington07032Kearny07036Linden07039Livingston07040Maplewood07042Montclair07044Verona07047North Bergen07050Orange07052West Orange07054Parsippany07055Passaic07059Warren07060Plainfield07062Plainfield07063Plainfield07065Rahway07066Clark07067Colonia07070Rutherford07071Lyndhurst07076Scotch Plains07078Short Hills07079South Orange07080South Plainfield07081Springfield07083Union07086Weehawken07087Union City07090Westfield07093West New York07094Secaucus07095Woodbridge07103Newark07104Newark07105Newark07106Newark07107Newark07108Newark07109Belleville07110Nutley07111Irvington07112Newark07201Elizabeth07202Elizabeth07203Roselle07204Roselle Park07205Hillside07206Elizabethport07208Elizabeth07302Jersey City07304Jersey City07305Jersey City07306Jersey City07307Jersey City07310Jersey City07405Butler07407Elmwood Park07410Fair Lawn07424Little Falls07430Mahwah07446Ramsey07450Ridgewood07461Sussex07470Wayne07480West Milford07481Wyckoff07501Paterson07502Paterson07503Paterson07504Paterson07506Hawthorne07508Haledon07514Paterson07522Paterson07524Paterson07601Hackensack07621Bergenfield07628Dumont07631Englewood07644Lodi07646New Milford07650Palisades Park07652Paramus07663Saddle Brook07666Teaneck07670Tenafly07675Westwood07701Red Bank07712Asbury Park07719Belmar07724Eatontown07726Englishtown07728Freehold07730Hazlet07731Howell07733Holmdel07735Keyport07740Long Branch07746Marlboro07747Matawan07748Middletown07751Morganville07753Neptune07801Dover07828Budd Lake07834Denville07840Hackettstown07860Newton07866Rockaway07869Randolph07871Sparta07882Washington07901Summit07920Basking Ridge07928Chatham07940Madison07950Morris Plains07960Morristown08002Cherry Hill08003Cherry Hill08005Barnegat08009Berlin08012Blackwood08015Browns Mills08016Burlington08021Clementon08028Glassboro08033Haddonfield08034Cherry Hill08037Hammonton08043Voorhees08046Willingboro08050Manahawkin08052Maple Shade08053Marlton08054Mount Laurel08055Medford08057Moorestown08060Mount Holly08062Mullica Hill08075Riverside08077Riverton08080Sewell08081Sicklerville08085Swedesboro08087Tuckerton08088Vincentown08094Williamstown08096Woodbury08104Camden08105Camden08108Collingswood08109Merchantville08110Pennsauken08204Cape May08205Absecon08210Cape May Court House08215Egg Harbor City08232Pleasantville08234Egg Harbor Township08302Bridgeton08330Mays Landing08332Millville08360Vineland08361Vineland08401Atlantic City08505Bordentown08520Hightstown08527Jackson08536Plainsboro08540Princeton08550Princeton Junction08610Trenton08611Trenton08618Trenton08619Trenton08638Trenton08648Lawrence Township08690Trenton08691Robbinsville08701Lakewood08721Bayville08723Brick08724Brick08731Forked River08742Point Pleasant Beach08753Toms River08755Toms River08757Toms River08759Manchester Township08805Bound Brook08807Bridgewater08812Dunellen08816East Brunswick08817Edison08820Edison08822Flemington08830Iselin08831Monroe Township08837Edison08840Metuchen08844Hillsborough08846Middlesex08852Monmouth Junction08854Piscataway08857Old Bridge08859Parlin08861Perth Amboy08865Phillipsburg08872Sayreville08873Somerset08876Somerville08879South Amboy08882South River08901New Brunswick08902North Brunswick08904Highland Park