HUNTERDON COUNTY
Health Statistics and Analysis - Hunterdon County
| COUNTY | Uninsured Adults |
| Hunterdon County | <6% |
| Mercer County | 11% |
| Morris County | 6% |
| Somerset County | 7% |
| Warren County | 9% |
Less than 6% of the total adult residents in Hunterdon County lack basic health insurance coverage. This rate is lower than the average in New Jersey State (11%) and the lowest in the region and across New Jersey. Among Hunterdon County’s surrounding neighbors, Mercer County reports the highest uninsured adult rate, followed by Warren County.
With Hunterdon County posting the lowest uninsured adult rate in the State of New Jersey, the highest rate statewide is in Passaic County, where 17% of adults are uninsured.
At least 4 health insurance companies offer affordable and frequently subsidized ACA health insurance to the residents of Hunterdon County, on and off the state-operated New Jersey’s official health insurance marketplace.
Health Problems
Over 12% of adults in Hunterdon County are plagued by health problems:
| Health Factors | % of Population |
| Adults who smoke | 13% |
| Higher than average alcohol consumption | 21% |
| Lack sufficient sleep | 34% |
Furthermore, around 1 in 5 residents in Hunterdon County do not engage in daily physical activities, which is a contributing factor as to why 28% of the adult residents are considered obese (with a BMI of 30 or more).
Hunterdon County’s obesity rate is higher than the New Jersey average:
| COUNTY | Obesity Rate |
| Hunterdon County | 28% |
| Mercer County | 31% |
| Morris County | 25% |
| Somerset County | 26% |
| Warren County | 32% |
| State Average | 26% |
Medicare
In 2022, 28,021 Hunterdon County residents were enrolled in Medicare.
Hunterdon County Medicare Utilization:
| MEDICARE PLAN TYPE | Usage Among Eligible Users |
| Original Medicare | 67% |
| Medicare Advantage | 33% |
| Original Medicare Part A and Part B | 57% |
| Medicare Advantage and Other Health Plan Part A and Part B Beneficiaries | 33% |
| Medicare Part D (Medigap) | 93% |
| Medicare Advantage Prescription Drug Plan | 47% |
| Source: Data.CMS.gov | |
Health Insurance Analysis
Driving Statistics and Analysis - Hunterdon County
In 2022, there were around 86,163 personal and commercial automobiles registered in Hunterdon County, which accounts for over 1% of all the vehicles with New Jersey license plates.
Approximately 78% of adult drivers in Hunterdon County drive to their place of employment by themselves, and more than half of those commutes take more than an hour a day.
Motor Vehicle Crashes in Hunterdon County
Automobile fatalities in Hunterdon County happen at a rate of 5 per 100,000 vehicles on the road, and around 18% of those fatalities are caused by alcohol-impaired driving.
According to the New Jersey Department of Transportation (NJDOT), in 2020, there were 2,741 crashes recorded in Hunterdon County, and according to the New Jersey State Police (NJSP), 12 of those incidents were fatal incidents that led to 12 deaths.
Hunterdon County - Auto Insurance Analysis
| More than 86 thousand cars registered in Hunterdon County need insurance coverage
Auto Insurance Required in Hunterdon 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 - Hunterdon County
| COUNTY | Homeowners | Renters |
| Hunterdon County | 84% | 16% |
| Mercer County | 64% | 36% |
| Morris County | 74% | 26% |
| Somerset County | 76% | 24% |
| Warren County | 73% | 27% |
| State Average | 64% | 36% |
Hunterdon County’s estimated 51,114 housing units are mostly made up of homeowners. The 84 percent homeownership rate is the highest across New Jersey. Compared with the surrounding neighbors: Somerset County posts the second-highest homeownership rate, while Mercer County has the lowest, at par with the New Jersey State average.
While Hunterdon County leads the state with the highest proportion of owner-occupied homes, Hudson County, on the other hand, has the most rental units - with nearly 68 percent of its residential real estate for rent.
In Hunterdon County, housing problems exist in around 1 in 7 housing units. Some examples are overcrowding, inadequate plumbing, or issues with the kitchen. In about 12% of homes, residents spend more than 50% of their income on housing expenses.
Hunterdon County Housing Insurance Analysis
| Over 51 thousand housing units in Hunterdon County need insurance coverage: | ||
| ≈ 43,000 Homeowner
Occupied Dwellings |
HOMEOWNERS Insurance | All owners of 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 | ||
| ≈ 8,000 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 Raritan | 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 Hunterdon County require Renters insurance as a condition of the lease. |
|
Commerce and Insurance in Hunterdon County
| Largest Job-Creating Sectors in Hunterdon County |
| Manufacturing |
| Educational Services |
| Professional, Scientific & Technical Services |
Hunterdon County is home to nearly 4 thousand business establishments, each with varying commercial insurance needs.
Commercial Insurance Analysis
End of Life Statistics and Analysis - Hunterdon County
| COUNTY | Average Life Expectancy |
| Hunterdon County | 83.2 |
| Mercer County | 79.3 |
| Morris County | 81.8 |
| Somerset County | 81.9 |
| Warren County | 79.1 |
Hunterdon County residents have an average life expectancy of 83.2 years, which is the longest compared to the adjacent counties and also statewide. Looking among the neighbors: Warren County is observed to have the shortest lifespan, followed by Mercer County.
With Hunterdon County reporting the longest average in the entire state of New Jersey, the shortest, on the other hand, is in Salem County, at 74 years.
In 2022, there were over 25,000 seniors (65 and older) residing in Hunterdon County.
Life Insurance Facts
Funeral Expenses Statistics and Analysis in Hunterdon County
Residents in Hunterdon County on average spend roughly $7,900 on funeral expenses. This average cost is greater than the New Jersey State average of $6,900. Among the counties in the region, Mercer County averages the highest funeral cost, at $8,000, while the most affordable funeral is seen in Somerset County, closer to $6,200.
Looking at the entire State of New Jersey: Salem County has been observed to have the most affordable funerals, at around $5,300, while Cape May County, on the other hand, records the highest average, in the neighborhood of $8,300.
Life Insurance Analysis
Most Common Life Insurance in Hunterdon 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) |
