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How Snowstorms Can Trigger More Dangerous Flooding in New Jersey

An Inside Climate News report highlights how a recent blizzard that brought two feet of snow or more and extremely high winds across parts of the Northeast also triggered coastal flooding in New Jersey. The storm affected areas, including Atlantic City, and underscored how winter weather events in the state can create overlapping hazards both inland and along the coast.

New Jersey was among the states hit hardest by a recent blizzard that brought two feet of snow or more and extremely high winds across parts of the Northeast. The storm caused flooding in coastal Atlantic City and other towns, highlighting how winter weather events can create multiple hazards across the state.

According to Anthony Broccoli, a distinguished professor of atmospheric science at Rutgers University and director of the Center for Environmental Prediction, storms of this size are not common. Snowfall requires a specific combination of factors, including a strong storm system, sufficient moisture, and temperatures cold enough for precipitation to fall as snow.

In this case, temperatures approached 50 degrees the day before the storm. The system initially brought rain because there was no exceptionally cold air present. However, once the storm intensified, temperatures fell below freezing, allowing significant snowfall to accumulate.

Broccoli noted that New Jersey’s vulnerability to snow is similar to that of many other states. However, the state’s high population density and extensive infrastructure add complexity. New Jersey has more miles of highway per square mile than any other state, creating a large road network that requires plowing and salting during winter storms.

At the same time, the state has approximately 1,792 miles of shoreline, with major population centers along the coast. As a result, a single storm can create both transportation challenges on land and coastal flooding risks.

Nor’easters, in particular, can elevate coastal flood risk. These storms move up the East Coast and generate winds from the northeast. When those winds push water toward the shore, they can raise water levels above normal conditions. Broccoli explained that this dynamic contributed to water levels about two feet higher than normal during the recent storm, resulting in coastal flooding in some areas.

While hurricanes such as Sandy are often associated with coastal flooding, winter storms can produce similar effects, though typically on a smaller scale. The onshore wind component, rather than snowfall itself, drives increases in coastal water levels.

Snow can, however, contribute to inland flooding under certain conditions. Broccoli said that snowmelt alone may not create flooding concerns if it occurs gradually, especially given that New Jersey has experienced relatively dry conditions for more than six months. However, if a heavy rainstorm follows significant snowfall, the combination could drive inland flooding.

He emphasized that snowfall does not directly increase coastal flooding risk. Instead, heavy snow can complicate emergency response and recovery when combined with other hazards, such as elevated water levels and strong winds.

Research on future winter storm trends remains ongoing. Broccoli referenced a recent study indicating detectable trends toward strengthening nor’easters. However, he cautioned that changes need not be dramatic and that storm-track shifts could influence local impacts. Even if storms become more intense overall, their effects on a specific region will depend on whether they directly affect that area.

Broccoli also addressed questions about cold winters and climate trends. He stated that climate change does not eliminate cold weather or snowfall. Long-term trends show fewer cold extremes and more warm extremes, but cold events remain possible. Winter temperatures can vary significantly by location, with some areas experiencing below-average conditions even as broader patterns shift.

In addition, a warming atmosphere can hold more moisture. As a result, when storms do develop, they may be capable of producing heavier rainfall or greater snowfall, depending on temperatures.

Broccoli said that events like the recent blizzard remain possible even in a warming climate. Although long-term patterns may influence storm frequency and intensity, short-term variability means that winters can still bring multiple major snowstorms.

For New Jersey, tightly packed highways and populated shorelines create overlapping risks. A single winter system can disrupt transportation networks while also raising coastal water levels. The combination underscores how snowstorms in the Garden State can extend beyond inland snowfall to include significant flooding hazards.

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State Farm Announces $5 Billion Policyholder Dividend for Auto Customers

State Farm Mutual Automobile Insurance Co. announced Thursday that it will distribute $5 billion in one-time dividend checks to qualifying auto policyholders. According to the company, the payment represents the largest dividend in its history.

The insurer said it will issue payments across more than 49 million vehicles. California drivers insured by State Farm Mutual are among those who can expect to receive checks.

Each qualifying driver will receive approximately $100 per vehicle this summer. However, State Farm noted that exact payment amounts will vary by state and by the premiums paid.

The company attributed the dividend to stronger-than-expected underwriting performance. In a news release, State Farm said the financial results enabled it to return value directly to policyholders while maintaining financial strength.

State Farm also referenced recent rate reductions totaling $4.6 billion annually. The company positioned the dividend as an additional benefit alongside those lower rates.

“As a mutual company with a customer-first focus, State Farm Mutual is able to provide value directly to our customers while maintaining financial strength to keep our promises in the future,” State Farm President and CEO Jon Farney said in a statement. “That translated this year to lower auto rates and cash back in the form of a $5 billion policyholder dividend.”

The one-time dividend payments are scheduled to be mailed this summer.

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National Safety Council Projects 12% Decrease in U.S. Traffic Fatalities in 2025

Preliminary analysis from the National Safety Council estimates 37,810 motor vehicle crash deaths in the United States in 2025. That figure represents a 12% decrease from 2024, even as overall miles driven increased by 0.9%. The Council released the data Feb. 24, 2026.

Nine states and the District of Columbia recorded decreases of more than 15%. The largest decline occurred in Washington, D.C., which saw a 52% reduction. California followed with a 40% decrease. Other states reporting declines of more than 15% were Rhode Island at 29%, Iowa at 24%, Minnesota at 21%, Mississippi at 19%, New York at 18%, and Connecticut, Maryland, and South Dakota, each at 16%.

In contrast, eight states experienced increases in traffic fatalities. Hawaii recorded the largest increase at 25%. Wyoming followed with a 12% rise, and Kansas reported a 10% increase. New Mexico saw an 8% increase, while Idaho saw a 7% increase. Louisiana and Vermont each experienced a 5% increase, and Colorado recorded a 3% increase.

Lorraine Martin, NSC CEO, emphasized the significance of the decline. “The decrease in roadway fatalities is more than a number. It represents lives saved and families kept whole,” Martin said. “It is also proof that our sustained efforts to make our roads safer are working. We must continue to work together as advocates, policymakers, and communities to build on this progress until no one ever loses their life on our roads again.”

The Council stated that the progress reflects coordinated, multi-stakeholder efforts such as those advanced by the Road to Zero Coalition. NSC leads the coalition in partnership with the U.S. Department of Transportation. The coalition includes more than 650 organizations and aims to eliminate roadway fatalities in the United States by 2050.

According to NSC, dangerous driving behaviors, including speeding, distracted driving, and impaired driving, remain the leading causes of traffic deaths for pedestrians, cyclists, passengers, and drivers. Addressing these risks requires driver education, infrastructure improvements, improved vehicle design, legislation, and evidence-driven technology.

NSC continues to advocate for safety technologies that have demonstrated effectiveness in reducing crashes and saving lives. These technologies include speed safety cameras, intelligent speed assistance, telematics, advanced impaired driving prevention technology and automatic emergency braking.

The Council also calls for coordinated government action based on the Safe System Approach. NSC urges the U.S. Department of Transportation to maintain its commitment to engage transportation stakeholders working toward zero fatalities and serious injuries by 2050. The Council stated that this vision should include collaboration with the Departments of Labor and Health and Human Services, as well as coordination among technology providers, motor vehicle manufacturers, and safety advocates. In addition, NSC stated that aligning federal, state, and local resources, requiring necessary vehicle technology, and supporting research can strengthen roadway safety.

The Safe System Approach is a holistic roadway safety model focused on five elements: safer roads, safer speeds, safer vehicles, safer people, and better post-crash care. NSC stated that the approach has shown measurable success in eliminating preventable traffic fatalities.

Motor vehicle fatality estimates may fluctuate slightly as data matures. NSC uses data from the National Center for Health Statistics, part of the Centers for Disease Control and Prevention. The Council’s estimates include deaths that occur within 100 days of a crash and those that take place on public and private roadways, including parking lots and driveways.

NSC has calculated traffic fatality estimates since 1913. Supplemental estimate information, including monthly and state-by-state data, is available through the organization.

The National Safety Council is a nonprofit safety advocate that has operated for more than 110 years. The organization focuses on eliminating the leading causes of preventable death and injury in workplaces and on roadways. It works to create a culture of safety both on and off the job so people can live fully and safely.

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Alliant Insurance Services Salutes 2026 Class of Risk & Insurance Power Brokers

Seven Alliant Insurance Services producers have received the esteemed 2026 Power Broker^® designation from Risk & Insurance. Hailing from a broad range of industries, the honorees were selected based on client endorsements and recognized for excellence in delivering risk solutions, customer service, and industry knowledge. “Alliant is proud to be home to the industry’s top brokerage talent,” said Greg Zimmer, CEO of Alliant. “Our 2026 honorees represent the very best of who we are as an organization. They bring not only exceptional service and keen innovation, but also an unwavering commitment to delivering meaningful, results-driven solutions for their clients and partners. We are incredibly proud of the impact they make every day.” Alliant’s 2026 Power Broker winners are:

Miranda Fischer, Assistant Vice President (Construction category)
Kurt Lindamood, Vice President (Employee Benefits category)
Kevin McCarroll, First Vice President (Education category)
Chris McCarthy, Senior Vice President (Employee Benefits category)
Chris Tobin, Senior Vice President (Real Estate category)
Reid Waszczenko, Account Manager (Mergers & Acquisitions category)
Marshall Yacoe, Senior Vice President (Environmental category)

“Alliant is an organization built on exceptional people, and we are wholly dedicated to providing the resources and partnerships necessary for them to stand apart in today’s competitive landscape,” said Zimmer. Risk & Insurance evaluated Power Broker nominees based on recent accomplishments, client testimonials, and their ability to develop effective risk solutions that reflect creativity and problem-solving. About Alliant Insurance Services Alliant Insurance Services marks a century of success as the nation’s leading specialty broker. We operate through a network of specialized national platforms and local offices to offer our clients a comprehensive portfolio of risk solutions built on innovative thinking and personal service. The business of managing risk is complex, and Alliant meets this complexity head-on with creativity and agility. Alliant has changed the way our clients approach risk management and benefits, giving them complete access to our resources and expertise—regardless of where the resource is located—to capitalize on new opportunities to grow and protect their organizations and their people. Alliant is recognized as a leading destination for top-tier brokerage talent in the U.S., attracting brokers and specialists across a diverse range of disciplines eager to advance their careers. With the advantage of being majority employee-owned, professionals choose Alliant for autonomy, unparalleled resources, and a unique equity ownership opportunity. As a testament to our commitment to excellence, Alliant maintains an impressive producer retention rate and has earned Forbes’ prestigious title of one of America’s Best Large Employers. Visit us at alliant.com. #TheMoreRewardingWay Stay informed and ahead of the curve — explore more industry insights and program opportunities at ProgramBusiness.com.

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