VINELAND HEADQUARTERS
OperatingSolar power plant
- Capacity
- 1 MW
- Primary fuel
- Solar
- County
- Cumberland County
- Operator
- NFI SOLAR LLC
- Status
- Operating
- Commissioned
- 2011
- EIA plant ID
- 57742
- Coordinates
- 39.4903, -75.0374
VINELAND HEADQUARTERS, a 1 MW Solar power plant in Cumberland County, New Jersey. Operated by NFI SOLAR LLC, commissioned 2011.
Weather peril exposure
VINELAND HEADQUARTERS is a 1 MW solar power plant in Cumberland County, NJ, operated by NFI SOLAR LLC, commissioned in 2011. Cumberland County carries moderate modeled catastrophe exposure in the FEMA National Risk Index, scoring 2.4 of 5 at the 35th national percentile. Coastal flooding is the leading peril, rated Relatively High by FEMA at the 92nd percentile.
Cumberland County hazard ratings
| Peril | FEMA rating | National percentile | Peril score | Share of modeled loss | Events per year |
|---|---|---|---|---|---|
| Coastal flooding | Relatively High | 92nd | 4.7 of 5 | 35% | 3.7 |
| Hurricane | Relatively Moderate | 85th | 4.4 of 5 | 47% | 0.14 |
| Earthquake | Relatively Low | 71st | 3.9 of 5 | 1% | <0.01 |
| Strong wind | Relatively High | 71st | 3.8 of 5 | 8% | 4.7 |
| Winter weather | Relatively High | 65th | 3.6 of 5 | 1% | 8.5 |
| Wildfire | Relatively Low | 64th | 3.6 of 5 | 1% | <0.01 |
| Ice storm | Relatively Moderate | 35th | 2.4 of 5 | <1% | 0.50 |
| Lightning | Relatively Moderate | 24th | 1.9 of 5 | <1% | 32.4 |
| Tornado | Relatively Low | 20th | 1.8 of 5 | 2% | 0.25 |
| Riverine flooding | Relatively Low | 4th | 1.1 of 5 | 4% | 1.9 |
| Heat wave | Relatively Moderate | 2nd | 1.1 of 5 | <1% | 4.9 |
| Hail | Relatively Low | 2nd | 1.1 of 5 | 1% | 1.6 |
Hail exposure and deductible structure
Hail scores 1.1 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 4.4 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 1 MW solar array
At an assumed replacement value of $0.90 per watt, or $990,000 insured, the modeled expected annual loss for a fixed tilt ground mount array in Cumberland County is $540 a year, $491 per MW, 0.05% of insured value.
Heat is modeled as a production risk rather than a property loss: 0.1% of annual yield in this county.
Insurability signal: Standard. Named windstorm and severe wind at 4.4 of 5.
Model hail, wind and flood exposure for Cumberland 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.