Short answer: Hudson County's FEMA National Risk Index report ranks hazards for Jersey City tracts. NJIUA is New Jersey's FAIR Plan.
This guide is general information for homeowners and drivers in the Jersey City area (Hudson County). It isn't legal advice or a coverage determination. Your policy wording, underwriting, city and county ordinances, and state insurance and motor-vehicle rules control. Check your address on FEMA's National Risk Index (county report for Hudson County) and the Flood Map Service Center.
Local hazards: FEMA National Risk Index for Hudson County
Open FEMA's National Risk Index and the Hudson County report.
Federal disaster declarations in Hudson County
Since 1965, Hudson County has been part of 11 federal major disaster declarations, according to FEMA's declarations summaries; by incident type the most common were hurricane events (3), severe storm events (3) and snowstorm events (2). The most recent: Remnants of Hurricane Ida, 2021, Severe Winter Storm and Snowstorm, 2016, Hurricane Sandy, 2012 and Hurricane Irene, 2011. FEMA also lists 11 emergency declarations for the county in the same data.
What the Hudson County plan says about Jersey City
Jersey City's annex to the Hudson County Hazard Mitigation Plan ranks flood and severe weather as the city's high hazards. It names the waterfront along the Hudson and Hackensack rivers as the flood-prone areas. The remnants of Hurricane Ida in September 2021 flooded streets and homes across the city. The annex also notes that Jersey City doesn't take part in FEMA's Community Rating System, so local flood policies don't get a CRS discount. Outside FEMA's floodplains, the city has no updated maps of rainfall, combined-sewer or surge flooding.
New Jersey's flood disclosure law
Under P.L. 2023, c. 93, New Jersey sellers must tell buyers before a contract is binding whether a property is in FEMA's 100-year or 500-year flood area. They must also disclose past flood damage, any past federal flood aid, and whether an elevation certificate exists, which they have to share. Most landlords must give tenants a similar Flood Risk notice before signing or renewing a lease, including a reminder that standard renters insurance usually doesn't cover flood. Read these disclosures before you sign, and price a flood policy before you close.
What Sandy showed
Jersey City's 2017 Resiliency Master Plan says Superstorm Sandy flooded more than 39% of the city's land area on October 29, 2012, through tidal inundation rather than rain, and heavily damaged City Hall and the Jersey City Medical Center. It says 40% of the city's land, 3,782 acres, falls inside FEMA's proposed Special Flood Hazard Area. It also describes three kinds of flooding: heavy rain, combined sewer overflow and coastal surge. A flood policy covers surge, but sewer backup needs a separate endorsement on a homeowners or renters policy.
Residual market: NJ FAIR Plan
The NJ FAIR Plan (NJIUA) provides residual property coverage for eligible applicants.
Waterfront surge, brownstones and condo associations
Condo owners in high-rises should compare their HO-6 with the association's master policy and ask about loss-assessment coverage.
Auto: New Jersey 2026 minimums
Per NJ DOBI Bulletin 25-06 and the standard policy page, standard policies issued or renewed on or after January 1, 2026 need at least $35,000/$70,000/$25,000 liability and $15,000 PIP. A Basic Policy is also available with lower coverage.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in New Jersey.
Frequently asked questions
What are New Jersey's 2026 auto minimums?
35/70/25 liability and $15,000 PIP on a standard policy.
Should Jersey City condo owners buy loss assessment?
Yes, it helps cover your share of association assessments.
What is NJIUA?
New Jersey's FAIR Plan.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.