Cumberland County, New Jersey: hazard risk
FEMA rates Cumberland County's overall risk Relatively Moderate (score 82.6 of 100, higher than 82% of rated U.S. counties); 3 of its 15 hazards are rated Relatively High or Very High, led by winter weather, coastal flooding, strong wind. Its storm record holds 1,013 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Winter Weather | Relatively High | 94.7 | $574K |
| Coastal Flooding | Relatively High | 88.4 | $4.5M |
| Strong Wind | Relatively High | 86.4 | $1.5M |
| Hurricane | Relatively Moderate | 91.9 | $10M |
| Heat Wave | Relatively Moderate | 88.2 | $2.4M |
| Cold Wave | Relatively Moderate | 86.8 | $5.0M |
| Drought | Relatively Moderate | 84.0 | $1.1M |
| Lightning | Relatively Moderate | 79.0 | $623K |
| Ice Storm | Relatively Moderate | 70.2 | $200K |
| Earthquake | Relatively Low | 87.2 | $3.1M |
| Wildfire | Relatively Low | 85.8 | $673K |
| Riverine Flooding | Relatively Low | 72.2 | $13M |
| Tornado | Relatively Low | 54.0 | $1.3M |
| Hail | Relatively Low | 48.4 | $221K |
| Landslide | Very Low | 28.2 | $240 |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 221 | 0 | $5.5M | 18th of 20 | 627th of 3,080 |
| Winter storms | 173 | 0 | $8.4M | 17th of 20 | 239th of 3,077 |
| High wind and dust storms | 145 | 0 | $15M | 14th of 20 | 73rd of 3,080 |
| Floods | 90 | 0 | $80M | 19th of 20 | 312th of 3,080 |
| Heavy rain | 90 | 0 | $1.8M | 8th of 20 | 36th of 3,080 |
| Heat | 84 | 0 | – | 10th of 20 | 132nd of 3,076 |
| Drought | 38 | 0 | – | 14th of 20 | 507th of 3,063 |
| Hail | 36 | 0 | $103K | 19th of 20 | 2409th of 3,080 |
| Extreme cold | 32 | 1 | – | 12th of 20 | 322nd of 3,076 |
| Rip currents and high surf | 17 | 0 | – | 8th of 20 | 50th of 2,080 |
| Hurricanes and tropical storms | 16 | 0 | $977K | 12th of 20 | 227th of 1,849 |
| Tornadoes | 10 | 0 | $139M | 12th of 20 | 2085th of 3,080 |
| Lightning | 9 | 1 | $10K | 20th of 20 | 402nd of 3,080 |
| Wildfires | 9 | 0 | – | 10th of 20 | 152nd of 2,972 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Cumberland County record: every hazard by year and month, the deadliest events and FEMA's declarations.