New Hampshire
flood insurance data
- Inside the Special Flood Hazard Area (SFHA), the median premium in New Hampshire is $1,636, 49.3% higher than outside it ($1,096); most of its zoned policies sit inside the SFHA (66.5%).
- The median paid claim, $16,636, is 55.3% below the national median of the same years ($37,248), the 17th highest of 51 States and territories.
- Residential NFIP policies counted by FEMA fell 25.9% between 2019 (5,575) and 2025 (4,132); the first year, 2019, has the highest count of the 7.
- Of the 6,900 owner registrations FEMA inspected in New Hampshire after disasters of every declared type, 0.7% show more than $30,000 of FEMA-inspected damage, against 2.6% nationally. The disaster with the most inspections is DR-1643, SEVERE STORMS AND FLOODING (declared 2006-05-25), with 4,725.
Source: FEMA, OpenFEMA NfipPolicies (v3, data as of 2026-09-09, retrieved 2026-10-11 and 2026-10-12), NfipClaims (v3, data as of 2026-09-09, retrieved 2026-10-12), DisasterDeclarationsSummaries (v2, data as of 2026-10-11, retrieved 2026-10-12), HousingAssistanceOwners (v2, data as of 2026-10-11, retrieved 2026-10-12), NfipCommunityStatusBook (v1, data as of 2026-10-11, retrieved 2026-10-12); CPI-U, U.S. city average, all items (CUUR0000SA0), annual average (BLS Public Data API v1, annual averages 2005-2025, retrieved 2026-10-12). Not an official federal report.
NFIP premiums in New Hampshire
NFIP premiums: what NFIP policyholders paid, not a quote. Across 4,132 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $1,307, and half of them fall between $1,002 (Q1) and $2,140 (Q3).
Of the 5 zones listed (AE, X, A, AO, VE), zone AO has the highest median premium ($1,885) and zone X the lowest ($1,096). Coastal high-hazard zone VE is listed, with 118 policies. The median NFIP premium in New Hampshire, $1,307, is 23.9% above the national median ($1,055); it is the 4th highest of 53 States and territories. With 4,132 residential NFIP policies effective 2025, New Hampshire has the 10th fewest of 53 States and territories.
| Flood zone group | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| SFHA (A, AE, AH, AO, AR, A99, V, VE) | 2,749 | $1,140 | $1,636 | $2,722 |
| Outside SFHA (X, B, C) | 1,382 | $712 | $1,096 | $1,205 |
By flood zone
| Flood zone | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| AE | 1,994 | $1,147 | $1,685 | $2,820 |
| X | 1,382 | $712 | $1,096 | $1,205 |
| A | 479 | $1,082 | $1,460 | $2,383 |
| AO | 158 | $1,166 | $1,885 | $2,906 |
| VE | 118 | $1,199 | $1,400 | $2,120 |
Policies in force by year
| Year | Policies |
|---|---|
| 2019 | 5,575 |
| 2020 | 5,406 |
| 2021 | 5,248 |
| 2022 | 4,570 |
| 2023 | 4,298 |
| 2024 | 4,310 |
| 2025 | 4,132 |
Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 both bases count 4,132 policies.
NFIP paid building claims in New Hampshire
NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 533 paid claims; median $16,636, half of them between $6,865 (Q1) and $40,301 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $18,240, a monetary adjustment, not today’s cost of repair.
The paid claims are spread over the years (year of loss 2015-2024): the busiest, 2024, holds 41.3% of them. With 533 paid claims (year of loss 2015-2024), New Hampshire has the 16th fewest of 53 States and territories.
| Event | Paid claims | Share |
|---|---|---|
| December Nor'easter | 50 | 9.4% |
Paid claims by year of loss
| Year of loss | Paid claims |
|---|---|
| 2015 | 6 |
| 2016 | 2 |
| 2017 | 51 |
| 2018 | 79 |
| 2019 | 8 |
| 2020 | 0 |
| 2021 | 13 |
| 2022 | 72 |
| 2023 | 82 |
| 2024 | 220 |
FEMA disaster declarations
Since 2000: 34 flood, hurricane and severe-storm declarations (DR and EM) covering New Hampshire, 29 of them major disaster declarations.
New Hampshire counts 34 flood, hurricane and severe-storm declarations (DR and EM) since 2000, the 20th most of 53 States and territories. Severe Storm declarations are the most frequent (26), ahead of Hurricane (5) and Flood (3).
| Incident type | Declarations |
|---|---|
| Flood | 3 |
| Hurricane | 5 |
| Severe Storm | 26 |
Latest declarations
- DR-4947: SEVERE STORM AND FLOODING (Severe Storm, 2026-10-07)
- DR-4812: SEVERE STORM AND FLOODING (Severe Storm, 2024-08-20)
- DR-4771: SEVERE STORMS AND FLOODING (Severe Storm, 2024-04-19)
- DR-4761: SEVERE STORM AND FLOODING (Severe Storm, 2024-02-27)
- DR-4740: SEVERE STORMS AND FLOODING (Flood, 2023-09-14)
FEMA assistance to homeowners
Since 2002: 6,900 owner registrations inspected by FEMA in New Hampshire after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.
| Damage band | Registrations |
|---|---|
| No FEMA-inspected damage | 501 |
| $1-$10,000 | 6,091 |
| $10,001-$20,000 | 187 |
| $20,001-$30,000 | 73 |
| More than $30,000 | 48 |
Disasters with the most inspections
- DR-1643, SEVERE STORMS AND FLOODING (declared 2006-05-25): 4,725 inspections
- DR-1695, SEVERE STORMS AND FLOODING (declared 2007-04-27): 1,526 inspections
- DR-1610, SEVERE STORMS AND FLOODING (declared 2005-10-26): 409 inspections
- DR-4026, TROPICAL STORM IRENE (declared 2011-09-03): 240 inspections
NFIP communities and flood maps
FEMA’s Community Status Book lists 233 NFIP communities in New Hampshire: 220 participate in the NFIP and 6 (2.6%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 7 (Peterborough, Town of): FEMA applies its CRS discount to the full-risk premium of Regular Program NFIP policies in that community, inside or outside the SFHA, not to the whole state; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in New Hampshire dates from 1979-06-15 (Sanbornton, Town of). 13 of these communities do not participate in the NFIP; 13 carry a sanction, 2 coded as a suspension and 0 as a withdrawal.
| CRS class | Communities |
|---|---|
| 7 | 1 |
| 8 | 3 |
| 9 | 1 |
| 10 | 1 |
Questions about flood insurance in New Hampshire
How much is flood insurance in New Hampshire?
NFIP policyholders in New Hampshire paid a median of $1,307 for residential policies effective 2025 (4,132 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $1,002 and $2,140; $1,636 inside the Special Flood Hazard Area against $1,096 outside it: what NFIP policyholders paid, not a quote.
How many flood insurance claims has New Hampshire had?
533 NFIP building claims were paid (year of loss 2015-2024), with a median of $16,636; the year with the most was 2024 (220), and the named event with the most was December Nor'easter (50). These are amounts paid, not repair cost.
Is New Hampshire in a flood zone?
Of the residential NFIP policies of New Hampshire (policies effective 2025), 2,749 are rated inside the Special Flood Hazard Area and 1,382 outside it (zones listed: AE, X, A, AO, VE), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.
Named storms with paid claims in New Hampshire
Related tools
NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.
To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.
Before using these figures
A state figure mixes very different counties and flood zones. Method and limits.
Source and notice
This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).