Enter any New Hampshire address to see its FEMA flood zone designation
New Hampshire experiences a mixed flood risk profile, with a significant number of flood and flash flood events, alongside coastal flooding and tropical storm impacts. Over the last 30 years, NOAA data indicates 543 flood events and 420 flash flood events, resulting in a total of 7 deaths. Coastal flooding and storm surge/tide events also contribute to the state's flood risk.
Recent federal disaster declarations highlight the ongoing threat, with multiple declarations for severe storms and flooding in 2023 and 2024. These events underscore the vulnerability of both inland areas, likely impacted by riverine and flash flooding, and coastal regions susceptible to storm surge and tidal influences.
National Flood Insurance Program (NFIP) claims data suggests that properties in FEMA Zone A, designated for special flood hazards, have the highest number of claims and the largest total payout. However, a substantial number of claims also originate from Zone X, which includes areas with reduced flood risk, and from areas with unknown flood zone designations. This indicates that flood insurance may be advisable for a broader range of properties than just those in high-risk zones, as unexpected claims occur across different FEMA categories.
Summary generated from FEMA disaster declarations, NOAA storm events, and NFIP claim data. Updated quarterly.
Source: OpenFEMA NFIP Claims, Policies, and Disaster Declarations data.
New Hampshire has received 320 federal disaster declarations, including 61 flood and coastal storm declarations and 20 hurricane declarations.
FEMA designates flood zones across New Hampshire using the following classifications:
AE High Risk — 1% annual chance of flooding (100-year floodplain). Insurance required for federal mortgages.
VE Very High Risk — Coastal flooding with wave action. Strictest building codes.
X (Shaded) Moderate Risk — 500-year floodplain. Insurance recommended.
X Low Risk — Outside major floodplains. Insurance optional but advisable — from 2014 to 2024, nearly one-third of NFIP claims came from outside high-risk zones.
Properties in New Hampshire FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance through the National Flood Insurance Program (NFIP).
The average NFIP premium in New Hampshire is approximately $1,174 per year. Rates vary significantly based on flood zone, building elevation, and coverage amount.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from properties outside the high-risk Special Flood Hazard Area. New Hampshire residents can purchase flood insurance through the NFIP or private insurers.
Visit FloodSmart.gov to find an agent and get a quote.
See the most flood-prone counties in New Hampshire →
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