diff --git a/server/jetstream_cluster.go b/server/jetstream_cluster.go
index 11ddccad..6488436f 100644
--- a/server/jetstream_cluster.go
+++ b/server/jetstream_cluster.go
@@ -735,6 +735,9 @@ func (cc *jetStreamCluster) isStreamAssigned(a *Account, stream string) bool {
 	if cc == nil {
 		return true
 	}
+	if cc.meta == nil {
+		return false
+	}
 	as := cc.streams[a.Name]
 	if as == nil {
 		return false
@@ -3626,6 +3629,9 @@ func (cc *jetStreamCluster) isConsumerAssigned(a *Account, stream, consumer stri
 	if cc == nil {
 		return true
 	}
+	if cc.meta == nil {
+		return false
+	}
 	var sa *streamAssignment
 	accStreams := cc.streams[a.Name]
 	if accStreams != nil {