WARREN COUNTY
Health Statistics and Analysis - Warren County
| NEIGHBORING COUNTY | Uninsured Adults |
| Warren County | 9% |
| Hunterdon County | 6% |
| Morris County | 6% |
| Sussex County | 6% |
Approximately 9% of Warren County’s adult population do not have proper health insurance coverage — the highest among its neighboring counties but lower than the New Jersey State average of 11%. The rest of the counties in the immediate area have uninsured rates of a little over 6% except for Hunterdon County, which has the lowest percentage not only in the region but also in the whole state with 5.8%.
The highest uninsured rate in the state of New Jersey is recorded in Passaic County at 17%.
At least 4 health insurance companies offer affordable and frequently subsidized ACA health insurance to the residents of Warren County, on and off the state-operated New Jersey’s official health insurance marketplace.
Health Problems
Over 15% of adults in Warren County report problems with health:
| Health Factors | % of Population |
| Adults who smoke | 17% |
| Higher than average alcohol consumption | 21% |
| Lack sufficient sleep | 38% |
Additionally, 24% of Warren County residents are physically inactive, which contributed to its adult obesity (with a BMI of 30 or more) rate of 32% — a figure that is higher than the state average and its neighboring counties.
| NEIGHBORING COUNTY | Obesity Rate |
| Warren County | 32% |
| Hunterdon County | 28% |
| Morris County | 25% |
| Sussex County | 26% |
| State Average | 26% |
Medicare
In 2022, 23,876 Warren County residents were enrolled in Medicare.
Warren 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) | 84% |
| Medicare Advantage Prescription Drug Plan | 62% |
| Source: Data.CMS.gov | |
Health Insurance Analysis
Driving Statistics and Analysis - Warren County
Warren County has an estimated 73,681 registered private and commercial vehicles, which account for approximately 1% of all the registered vehicles in the State of New Jersey.
Majority (81%) of Warren County’s adult drivers commute to and from their workplaces on their own, and more than half of those commutes take more than an hour a day.
Motor Vehicle Crashes in Warren County
Vehicular accidents in Warren County statistically occur at a rate of 9 per 100,000 vehicles on the road. About 22% of motor vehicle fatalities in Warren County are caused by alcohol-impaired driving.
In 2020, the New Jersey Department of Transportation (NJDOT) recorded 2,609 crashes in Warren County. Meanwhile, according to the New Jersey State Police (NJSP), 12 fatal incidents resulted in 12 deaths.
Warren County - Auto Insurance Analysis
| Nearly 74 thousand vehicles registered in Warren County need insurance coverage
Auto Insurance Required in Warren 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 - Warren County
| NEIGHBORING COUNTY | Homeowners | Renters |
| Warren County | 73% | 27% |
| Hunterdon County | 84% | 16% |
| Morris County | 74% | 26% |
| Sussex County | 84% | 16% |
| State Average | 64% | 36% |
Majority of the residential properties in Warren County are occupied by the owners themselves.
Among its peer counties, Hunterdon County records the highest percentage of owner-occupied residences at 83.9% followed closely by Sussex County with 83.6%.
Statewide, Hunterdon County leads the highest proportion of owner-occupied housing units while Hudson County ranks first in terms of rented residences (with 68% of housing real estate for rent).
Approximately, 1 in 7 housing units in Warren County experiences housing problems, overcrowding, substandard plumbing, or kitchen issues. In 12% of homes, residents spend more than 50% of their household income on housing expenditures.
Warren County Housing Insurance Analysis
| Almost 46 thousand housing units in Warren County need insurance coverage: | ||
| ≈ 33,000 Homeowner
Occupied Dwellings |
HOMEOWNERS Insurance | All residential property owners should at least 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 | ||
| ≈ 12,000 Rental Units | LANDLORDS Insurance | Landlords are encouraged to obtain insurance which covers the property itself and the possible liability claims arising from the tenants and their guests.
For renters, basic homeowners insurance is not enough. |
| RENTERS Insurance in Phillipsburg | Tenants buy renters insurance coverage to protect their belongings from possible damage or loss while renting a residential unit. Average renters’ insurance is inexpensive and usually covers the tenant's property from theft and certain damages caused by fire, smoke, water, and vandalism.
Most landlords in Warren County include Renters Insurance among the conditions in the lease. |
|
Commerce and Insurance in Warren County
| Largest Job-Creating Sectors in Warren County |
| Health Care and Social Assistance |
| Retail Trade |
| Manufacturing |
Warren County has over 2 thousand business establishments, each with varying commercial insurance needs.
Commercial Insurance Analysis
End of Life Statistics and Analysis - Warren County
| NEIGHBORING COUNTY | Average Life Expectancy |
| Warren County | 79.1 |
| Hunterdon County | 83.2 |
| Morris County | 81.8 |
| Sussex County | 78.8 |
The average life expectancy for Warren County residents is 79.1 years old, which is close to the New Jersey average (79.5 years). Among its neighboring counties, Sussex County has the shortest average life span, while Hunterdon County has the longest average lifespan of 83.2 years, which is also the highest figure in the whole state of New Jersey. Meanwhile, across the state, Salem County records the lowest average life expectancy (74 years old).
In 2022, there were approximately 20,000 seniors (65 and older) residing in Warren County.
Life Insurance Facts
Funeral Expenses Statistics and Analysis in Warren County
The average funeral cost in Warren County is around $7,300, which is higher than the New Jersey State average of $6,900. Among the neighboring counties, Hunterdon County usually has the most costly funerals at an average of $7,900, while Sussex County’s $6,400 average tends to be the most affordable.
Across New Jersey, Salem County funeral homes offer the lowest-priced services at an average of $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 Warren 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) |
