CUMBERLAND COUNTY
Health Statistics and Analysis - Cumberland County
| COUNTY | Uninsured Adults |
| Cumberland County | 15% |
| Atlantic County | 13% |
| Cape May County | 11% |
| Gloucester County | 7% |
| Salem County | 10% |
In Cumberland County, approximately 15% of its adult population are without proper health insurance coverage — which is higher than the New Jersey State average of 11%, as well as the highest recorded in the region. Among its immediate neighbors, Gloucester County has the lowest uninsured rate, followed by Salem County.
In the entire State of New Jersey, Hunterdon County tends to have the highest percentage of its residents with proper health insurance coverage, with around 6% of its population being uninsured. While Passaic County has the highest uninsured adult rate in the state at approximately 17%.
At least 4 health insurance companies offer affordable and frequently subsidized ACA health insurance to the residents of Cumberland County, on and off the state-operated New Jersey’s official health insurance marketplace.
Health Problems
More than a quarter of adults in Cumberland County report concerns with their health:
| Health Factors | % of Population |
| Adults who smoke | 23% |
| Higher than average alcohol consumption | 18% |
| Lack sufficient sleep | 43% |
In addition, over 36% of the Cumberland County residents are inactive in daily physical activities, which is a contributing factor as to why 40% of the adult residents are considered obese (with a BMI of 30 or more).
Cumberland County’s obesity rate is higher than the New Jersey average of 26%, as well as the highest in the area:
| COUNTY | Obesity Rate |
| Cumberland County | 40% |
| Atlantic County | 30% |
| Cape May County | 32% |
| Gloucester County | 34% |
| Salem County | 31% |
| State Average | 26% |
Medicare
In 2022, 28,810 Cumberland County residents were enrolled in Medicare.
Cumberland County Medicare Utilization:
| MEDICARE PLAN TYPE | Usage Among Eligible Users |
| Original Medicare | 55% |
| Medicare Advantage | 45% |
| Original Medicare Part A and Part B | 47% |
| Medicare Advantage and Other Health Plan Part A and Part B Beneficiaries | 45% |
| Medicare Part D (Medigap) | 98% |
| Medicare Advantage Prescription Drug Plan | 62% |
| Source: Data.CMS.gov | |
Health Insurance Analysis
Driving Statistics and Analysis - Cumberland County
There are approximately 101,407 registered motor vehicles in Cumberland County, which accounts for nearly 2% of all private and commercial vehicles registered in the State of New Jersey.
In Cumberland County 4 in 5 adult drivers drive to and from their place of work on their own and nearly 32% of those drivers are behind the wheel for more than an hour a day.
Motor Vehicle Crashes in Cumberland County
Motor vehicle fatalities in Cumberland County statistically occur at a rate of 17 per 100,000 vehicles on the road. Approximately 28% of motor vehicle fatalities in Cumberland County are caused by alcohol-impaired driving.
Per the New Jersey Department of Transportation (NJDOT), in 2020, there were 3,237 crashes recorded in Cumberland County, and according to the New Jersey State Police (NJSP), 22 of those vehicular collisions led to 24 fatalities.
Cumberland County - Auto Insurance Analysis
| Over 101 thousand vehicles registered in Cumberland County are in need of insurance coverage
Auto Insurance Required in Cumberland 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 |
Residential Property Statistics and Analysis - Cumberland County
| COUNTY | Homeowners | Renters |
| Cumberland County | 66% | 34% |
| Atlantic County | 67% | 33% |
| Cape May County | 78% | 22% |
| Gloucester County | 80% | 20% |
| Salem County | 69% | 31% |
| State Average | 64% | 36% |
In 2022, Cumberland County had approximately 56,475 housing properties, and about 66% of them were inhabited by their owners, while the remaining 34% were rental units. Cumberland County’s owner-occupied rate is the lowest in the region, followed by Atlantic County, while the highest rate is observed in Gloucester County.
Looking at the entire state: Hunterdon County has the highest proportion of owner-occupied homes (≈84%), while Hudson County has the most (≈68%) rental units.
Roughly 23% of housing units in Cumberland County experience housing problems such as inadequate plumbing, overcrowding, or issues with the kitchen. In 1 out of 5 homes, residents spend more than half of their income on housing.
Cumberland County Housing Insurance Analysis
| Over 56 thousand housing properties in Cumberland County need insurance coverage: | ||
| ≈ 37,000 Homeowner
Occupied Dwellings |
HOMEOWNERS Insurance | All of the owners of these residential properties should have at least property insurance to protect the underlying financial investment from possible loss or damage. |
| CONDO Insurance | ||
| COMMERCIAL PROPERTY Insurance (for multi-unit properties) | ||
| MANUFACTURED HOME Insurance | ||
| ≈ 19,000 Rental Units | LANDLORDS Insurance | Landlords secure insurance that covers the property itself and the possible liability claims arising from the tenants and their guests.
If your home is a leased space, basic homeowners insurance is not enough. |
| RENTERS Insurance in Vineland | Tenants purchase renters insurance coverage to protect their belongings from possible loss or damage whilst residing in a rented space. Standard renters’ insurance is affordable and usually covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism.
Most landlords in Cumberland County will need Renters insurance as a condition of the lease. |
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Cumberland 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. Residents of Bergen County should be aware of the safety procedures and guidelines set by county, and state agencies. Homeowners, landlords, and renters in Cumberland County should secure appropriate insurance coverage to protect their property from wind and water damages, and even total loss.
Commerce and Insurance in Cumberland County
| Largest Job-Creating Sectors in Cumberland County |
| Health Care and Social Assistance |
| Manufacturing |
| Retail Trade |
Cumberland County is home to nearly 3 thousand business establishments, each with varying commercial insurance needs.
Commercial Insurance Analysis
End of Life Statistics and Analysis - Cumberland County
| COUNTY | Average Life Expectancy |
| Cumberland County | 74.6 |
| Atlantic County | 76.7 |
| Cape May County | 76.9 |
| Gloucester County | 77.2 |
| Salem County | 74.0 |
The average lifespan for Cumberland County residents is around 74.6 years old, which is significantly shorter than New Jersey’s average life expectancy of 79.5 years, however, this is not the shortest in the region. Salem County has the shortest recorded life expectancy not only in the region but also in the entire state. Meanwhile, the longest in the region is observed in Gloucester County.
The longest average life expectancy in New Jersey is 83.2 years old, in Hunterdon County.
In 2022, there were approximately 23,201 seniors (65 and older) residing in Cumberland County.
Life Insurance Facts
Funeral Expenses Statistics and Analysis in Cumberland County
$7,100 is the estimated cost for an average funeral in Cumberland County, which is more expensive than the New Jersey State average of $6,900. Among the four NJ neighbors, Cape May County is seen to have the most expensive funerals at an average of $8,300, which is also the highest statewide. Meanwhile Salem County’s $5,300 average is usually the most cost-effective in the region and the entire state as well.
Life Insurance Analysis
Most Common Life Insurance in Cumberland 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) |
