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Health Statistics and Analysis - Cape May County

COUNTY Uninsured Adults
Cape May County 11%
Atlantic County 13%
Cumberland County 15%

Cape May County has around 11% of adult residents without adequate health insurance, a statistic similar to the New Jersey State average. On the other hand, its immediate neighbors Atlantic County and Cumberland County, exceeded the State average.

Statewide, Hunterdon County has the most significant proportion of inhabitants with adequate health insurance coverage, with just 6% of its residents lacking coverage. Meanwhile, Passaic County has the highest percentage of uninsured adults at 17%.

At least 4 health insurance companies offer affordable and frequently subsidized ACA health insurance to the residents of Cape May County, on and off the state-operated New Jersey’s official health insurance marketplace.

Health Problems

Around 16% of adults in Cape May County report problems with health:

Health Factors % of Population
Adults who smoke 18%
Higher than average alcohol consumption 21%
Lack sufficient sleep 39%

Moreover, 25% of Cape May County residents are physically inactive, which is one of the reasons why nearly 32% of the county's adults are deemed obese (with a BMI of 30 or more).

Similar to Cape May County, its neighboring counties also have a higher obesity rate than the New Jersey average of 26%:

COUNTY Obesity Rate
Cape May County 32%
Atlantic County 30%
Cumberland County 40%
State Average 26%


In 2022, 29,133 Cape May County residents were enrolled in Medicare.

Cape May County Medicare Utilization:

MEDICARE PLAN TYPE Usage Among Eligible Users
Original Medicare 71%
Medicare Advantage 29%
Original Medicare Part A and Part B 65%
Medicare Advantage and Other Health Plan Part A and Part B Beneficiaries 29%
Medicare Part D (Medigap) 92%
Medicare Advantage Prescription Drug Plan 51%
Source: Data.CMS.gov

Health Insurance Analysis

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Driving Statistics and Analysis - Cape May County

An estimated 63,360 vehicles are registered in Cape May County, which represents 1% of all New Jersey-registered automobiles.

Approximately 4 out of 5 of Cape May County’s adults (79%) drive alone to and from their workplace and around 27% of those drivers are behind the wheel for more than an hour a day.

Motor Vehicle Crashes in Cape May County

Motor vehicle fatalities in Cape May County statistically occur at a rate of 13 per 100,000 vehicles on the road. Based on records, alcohol-impaired driving is the major cause of approximately 32% of these motor vehicle fatalities.

Per the New Jersey Department of Transportation (NJDOT), in 2020, there were 2,023 crashes recorded in Cape May County, and according to the New Jersey State Police (NJSP), 8 of those incidents were fatal incidents that led to 9 deaths.

Cape May County - Auto Insurance Analysis

Over 63 thousand vehicles registered in Cape May County need insurance coverage

Auto Insurance Required in Cape May County

Liability Coverage Pays damages for causing the accident
Personal Injury Protection (PIP) Pays your and your passenger's medical expenses
Uninsured Motorist Coverage Protects the insured in an accident with uninsured or underinsured vehicle
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Residential Property Statistics and Analysis - Cape May County

COUNTY Homeowners Renters
Cape May County 78% 22%
Atlantic County 67% 33%
Cumberland County 66% 34%
State Average 64% 36%

Most (64%) of the residential real estate in New Jersey is owner-occupied. Cape May County’s estimated 99,664 housing market follows this trend, with 78% of the real estate market being inhabited by its owners. Its neighbors, Atlantic County and Cumberland County, also have a large portion of their residential units occupied by its owners.

In the entire state, Hunterdon County has the highest proportion of owner-occupied homes (≈84%), while Hudson County has the most rental units (≈68%).

Cape May County has approximately 1 out of 5 housing units that experience housing problems, overcrowding, substandard plumbing, or kitchen issues. In 18% of homes, residents spend more than 50% of their income on housing.

Cape May County Housing Insurance Analysis

Nearly 100 thousand housing units in Cape May County need insurance coverage:
≈ 78,000 Homeowner

Occupied Dwellings

HOMEOWNERS Insurance At a minimum, all owners of residential properties should have property insurance to protect the underlying financial investment from possible loss or damage.
CONDO Insurance
COMMERCIAL PROPERTY Insurance (for multi-unit properties)
≈ 22,000 Rental Units LANDLORDS Insurance Landlords obtain insurance which covers the property itself and from the possible liability claims arising from the tenants and their guests.

If you rent out your home, basic homeowners insurance is not enough.

RENTERS Insurance in Lower Township Tenants buy renters insurance coverage to protect their belongings from possible damage or loss while residing in a rented space. Average renters’ insurance is inexpensive and usually covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism.

Most landlords in Cape May County require Renters insurance as a condition of the lease.

Cape May County’s proximity to the Atlantic Ocean makes it vulnerable to the wind and flood damages brought about by hurricanes and storms. The highest probability of hurricanes forming and causing damage to the county is typically between August and late October. Cape May County residents should be aware of the safety procedures and guidelines set by county, and state agencies. Homeowners, landlords, and renters in Bergen County should secure appropriate insurance coverage to protect their property from wind and water damages, and even total loss.

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Commerce and Insurance in Cape May County

Largest Job-Creating Sectors in Cape May County
Health Care and Social Assistance
Accommodation & Food Services
Retail Trade

Cape May County is home to nearly 4 thousand business establishments, each with varying commercial insurance needs.

Commercial Insurance Analysis

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End of Life Statistics and Analysis - Cape May County

COUNTY Average Life Expectancy
Cape May County 76.9
Atlantic County 76.7
Cumberland County 74.6

The life expectancy in Cape May County is shorter than the New Jersey State average - 76.9 versus 79.5 years. Compared with its neighbors, Cape May County has the longest life expectancy followed by Atlantic County and Cumberland County.

Throughout New Jersey, Hunterdon County has the longest average life expectancy, while Salem County posts the shortest (74 years).

In 2022, there were approximately 26,000 seniors (65 and older) residing in Cape May County.

Life Insurance Facts

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Funeral Expenses Statistics and Analysis in Cape May County

The average funeral expense cost in Cape May County is $8,300, which is not just higher compared with its neighbors but also the highest in the entire state. Among its neighbors, Atlantic County tends to be more cost-effective with just an average funeral cost of $6,800. Meanwhile, Cumberland County funeral homes charge more or less around $7,100.

Salem County funeral homes are typically the least expensive in the state, closer to $5,300, while Cape May County funeral homes are usually the most costliest.

Life Insurance Analysis

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Most Common Life Insurance in Cape May County

Typical Use Life Insurance Policy Type
Burial Insurance

(Death Benefit of up to $50,000)

Term Life
Final Expense Insurance
Death benefit of over $50,000 - $500,000 at the lowest cost Term Life
Lifelong protection, Retirement Planning, Living Benefits, Cash Value accumulation, Tax-free access to CV, and Death Benefit Indexed Universal Life (IUL)