Risk Index · Hudson County · 2026-06-13
Jersey City, NJ real-estate risk
- Risk score
- 97.2/100
- Relatively High
- Expected annual loss
- $189M
- all hazards, county-wide
- Buildings-only loss
- $151M
- what owners and insurers carry
- Population
- 723K
- Hudson County
Jersey City, NJ (Hudson County) carries a FEMA National Risk Index score of 97.2/100, rated "Relatively High" and driven mainly by heat wave and riverine flood, with roughly $189M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Heat wave98.8
- Riverine flood98.6
- Strong wind97.5
- Earthquake95.3
- Coastal flood95
- Hurricane91.7
- Tornado90.7
- Hail75.1
- Drought25.7
- Wildfire4.5
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Coastal flood and hurricane exposure make property insurance the swing cost in this market. Premiums and deductibles here can move a deal's NOI by double digits. Treat the insurance binder as a Day-1 diligence item.
Jersey City risk questions
Is Jersey City, NJ a high-risk area for real estate?
Jersey City scores 97.2/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $189M per year.
What is the biggest natural hazard in Jersey City?
The highest-rated hazard is heat wave (98.8/100), followed by riverine flood (98.6/100).
How does hazard risk affect property insurance in Jersey City?
Coastal flood and hurricane exposure make property insurance the swing cost in this market. Premiums and deductibles here can move a deal's NOI by double digits. Treat the insurance binder as a Day-1 diligence item.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.