SUSSEX COUNTY
Health Statistics and Analysis - Sussex County
| COUNTY | Uninsured Adults |
| Sussex County | 6% |
| Morris County | 6% |
| Passaic County | 17% |
| Warren County | 9% |
Over 6% of Sussex County’s adult population are without adequate health insurance coverage — which is lower when compared with New Jersey’s State average of 11%.
Looking at the neighbors: Morris County shows similar stats to Sussex, while Passaic County has the highest uninsured rate not only in the region but also in the entire state of New Jersey.
Statewide, Hunterdon County is recorded to have the highest percentage of its residents with proper health insurance coverage, with less than 6% of its adult residents uninsured.
At least 4 health insurance companies offer affordable and frequently subsidized ACA health insurance to the residents of Sussex County, on and off the state-operated New Jersey’s official health insurance marketplace.
Health Problems
Around 13% of adults in Sussex County report problems with health:
| Health Factors | % of Population |
| Adults who smoke | 15% |
| Higher than average alcohol consumption | 21% |
| Lack sufficient sleep | 36% |
In addition, 24% of the Sussex County residents are physically inactive, which is a contributing factor as to why 26% of the adult residents are considered obese (with a BMI of 30 or more).
Sussex County’s obesity rate is at par with the New Jersey average of 26%:
| COUNTY | Obesity Rate |
| Sussex County | 26% |
| Morris County | 25% |
| Passaic County | 31% |
| Warren County | 32% |
| State Average | 26% |
Medicare
In 2022, 31,034 Sussex County residents were enrolled in Medicare.
Sussex County Medicare Utilization:
| MEDICARE PLAN TYPE | Usage Among Eligible Users |
| Original Medicare | 69% |
| Medicare Advantage | 31% |
| Original Medicare Part A and Part B | 58% |
| Medicare Advantage and Other Health Plan Part A and Part B Beneficiaries | 31% |
| Medicare Part D (Medigap) | 82% |
| Medicare Advantage Prescription Drug Plan | 60% |
| Source: Data.CMS.gov | |
Health Insurance Analysis
Driving Statistics and Analysis - Sussex County
There are approximately 96,368 registered (private and commercial) vehicles in Sussex County, which accounts for nearly 2% of all the vehicles registered in the State of New Jersey.
Roughly 4 out of 5 of Sussex County’s adult drivers who commute to and from their place of work - drive alone, and almost 59% of those drivers are behind the wheel for more than an hour a day.
Motor Vehicle Crashes in Sussex County
Motor vehicle fatalities in Sussex County statistically occur at a rate of 8 per 100,000 vehicles on the road. Approximately 23% of motor vehicle fatalities in Sussex County are caused by alcohol-impaired driving.
Per the New Jersey Department of Transportation (NJDOT), in 2020, there were 2,409 crashes recorded in Sussex County, and according to the New Jersey State Police (NJSP), 7 of those vehicular collisions led to 7 fatalities.
Sussex County - Auto Insurance Analysis
| Over 96 thousand vehicles registered in Sussex County need insurance coverage
Auto Insurance Required in Sussex 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 - Sussex County
| COUNTY | Homeowners | Renters |
| Sussex County | 84% | 16% |
| Morris County | 74% | 26% |
| Passaic County | 52% | 48% |
| Warren County | 73% | 27% |
| State Average | 64% | 36% |
Sussex County has an estimated 62,894 housing properties and about 84% of them are inhabited by their owners, while only 16% are rental units.
Sussex County’s owner-occupied rate is the highest in the region, while the lowest rate is observed in Passaic County, followed by Warren County.
Hunterdon County has the highest proportion of owner-occupied homes in the state (>84%), while Hudson County has the most rental units (≈68%).
Roughly 14% of housing units in Sussex County experience housing problems, overcrowding, substandard plumbing, or kitchen issues. In 13% of homes, residents spend more than 50% of their income on housing.
Sussex County Housing Insurance Analysis
| Nearly 63 thousand housing properties in Sussex County need insurance coverage: | ||
| ≈ 53,000 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) | ||
| MANUFACTURED HOME Insurance | ||
| ≈ 10,000 Rental Units | LANDLORDS Insurance | Landlords obtain insurance that covers the property itself and the possible liability claims arising from the tenants and their guests.
If your home is a rented space, basic homeowners insurance is not enough. |
| RENTERS Insurance in Vernon Township | Tenants purchase renters insurance coverage to protect their belongings from possible damage or loss whilst residing in a rented space. Average 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 Sussex County require Renters insurance as a condition of the lease. |
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Commerce and Insurance in Sussex County
| Largest Job-Creating Sectors in Sussex County |
| Health Care and Social Assistance |
| Retail Trade |
| Educational Services |
Sussex County is home to over 3 thousand business establishments, each with varying commercial insurance needs.
Commercial Insurance Analysis
End of Life Statistics and Analysis - Sussex County
| COUNTY | Average Life Expectancy |
| Sussex County | 78.8 |
| Morris County | 81.8 |
| Passaic County | 78.9 |
| Warren County | 79.1 |
The average life expectancy for Sussex County residents is 78.8 years old, which is shorter than New Jersey’s average expected life span of around 79.5 years, and the shortest in the region. Looking at its neighbors, Morris County has the longest lifespan and is the only one to exceed the state average.
The longest average life expectancy in New Jersey is 83.2 years old, recorded in Hunterdon County, and the shortest is in Salem County at 74 years.
In 2022, there were approximately 26,000 seniors (65 and older) residing in Sussex County.
Life Insurance Facts
Funeral Expenses Statistics and Analysis in Sussex County
The estimated average funeral cost in Sussex County is $6,400, which is more affordable than the New Jersey State average of $6,900. Among the three NJ neighbors, Warren County is seen to have the most expensive funerals at an average of $7,300, while Passaic County’s $5,800 average tends to be the most cost-effective.
Across New Jersey, Salem County funeral homes usually charge the most affordable average at $5,300, while Cape May County, on the other hand, has the most expensive average, at $8,300.
Life Insurance Analysis
Most Common Life Insurance in Sussex 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) |
