145 TALMADGE SOLAR
OperatingSolar power plant
- Capacity
- 4 MW
- Primary fuel
- Solar
- County
- Middlesex County
- Operator
- AVIDAN ENERGY SOLUTIONS
- Status
- Operating
- Commissioned
- 2011
- EIA plant ID
- 57458
- Coordinates
- 40.5358, -74.3913
145 TALMADGE SOLAR, a 4 MW Solar power plant in Middlesex County, New Jersey. Operated by AVIDAN ENERGY SOLUTIONS, commissioned 2011.
Weather peril exposure
145 TALMADGE SOLAR is a 4 MW solar power plant in Middlesex County, NJ, operated by AVIDAN ENERGY SOLUTIONS, commissioned in 2011. Middlesex County carries low modeled catastrophe exposure in the FEMA National Risk Index, scoring 1.6 of 5 at the 14th national percentile. Strong wind is the leading peril, rated Very High by FEMA at the 83rd percentile.
Middlesex County hazard ratings
| Peril | FEMA rating | National percentile | Peril score | Share of modeled loss | Events per year |
|---|---|---|---|---|---|
| Strong wind | Very High | 83rd | 4.3 of 5 | 27% | 6.9 |
| Earthquake | Relatively Moderate | 77th | 4.1 of 5 | 2% | <0.01 |
| Ice storm | Very High | 72nd | 3.9 of 5 | 5% | 1.0 |
| Hurricane | Relatively Moderate | 70th | 3.8 of 5 | 22% | 0.11 |
| Riverine flooding | Relatively High | 66th | 3.6 of 5 | 19% | 3.2 |
| Coastal flooding | Relatively High | 64th | 3.6 of 5 | 12% | 3.8 |
| Wildfire | Relatively Low | 50th | 3.0 of 5 | 1% | <0.01 |
| Winter weather | Very High | 46th | 2.9 of 5 | <1% | 10.6 |
| Tornado | Relatively High | 25th | 2.0 of 5 | 6% | 0.12 |
| Hail | Relatively Low | 8th | 1.3 of 5 | 4% | 2.4 |
| Lightning | Relatively Moderate | 8th | 1.3 of 5 | <1% | 33.6 |
| Heat wave | Relatively Moderate | 1st | 1.1 of 5 | <1% | 7.5 |
Hail exposure and deductible structure
Hail scores 1.3 of 5, which sits in the 1% to 2% percentage deductible range carriers are quoting for that exposure. Named windstorm and severe convective wind score 4.3 of 5, indicating a 2% to 5% wind deductible. Ranges, not single figures. The final structure is set by the carrier.
Percentage hail deductible range: 1% to 2% of insured value. Wind deductible range: 2% to 5%. These are the structures commonly seen at this exposure, not an offer and not a rate.
Modeled annual loss for a 4 MW solar array
At an assumed replacement value of $0.90 per watt, or $3.4M insured, the modeled expected annual loss for a fixed tilt ground mount array in Middlesex County is $881 a year, $232 per MW, 0.03% of insured value.
Heat is modeled as a production risk rather than a property loss: 0.0% of annual yield in this county.
Insurability signal: Standard. Named windstorm and severe wind at 4.3 of 5.
Model hail, wind and flood exposure for Middlesex County in the weather risk calculator
Ratings are the FEMA National Risk Index county hazard ratings; the peril score is a Bywatts transform of the FEMA national percentile, and the modeled loss applies the Bywatts solar vulnerability layer. Full data sources and the solar vulnerability methodology are in the weather risk calculator.
Modeled estimate for screening and negotiation. Built from FEMA National Risk Index county hazard data and a solar vulnerability layer documented above. Not a quote, a binder, or actuarial advice, and not a substitute for a carrier's own model. Hazard data: FEMA National Risk Index December 2025, synced 2026-07-24. Resolution is county level, not site level. The solar vulnerability layer that turns FEMA building loss into modeled solar loss was derived by Bywatts and revised on physical reasoning. It has not been reviewed by a practising underwriter.