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Frequently Asked Questions

Answers to questions frequently asked about the National Flood Insurance Program.

How do I determine if a property is in the floodplain or not?

What can I do when my lender determines my structure to be in the floodplain and requires flood insurance and I believe my structure is located above the floodplain?

What do I need to know about flood insurance?

What do I need know about developing in a floodplain area?

What can community officials do to better protect their community and residents from flood damage?

How do I determine if a property is in the floodplain or not?back to top

There a couple of mapping tools as well as the official FEMA Flood Insurance Rate Maps that are online and show the FEMA floodplain areas. Below are two user-friendly mapping tools in which you can search for the general area of an address for all communities in NH except those in Belknap County, which are only available on the FEMA Map Service Center.

What can I do when my lender determines my structure to be in the floodplain and requires flood insurance and I believe my structure is located above the floodplain?back to top

Anyone who applies for a federally-funded mortgage/loan or refinancing on an existing home in flood-prone areas will be required to carry flood insurance for the life of the mortgage/loan. Generally, the only documentation that lenders will accept to change their floodplain determination is a FEMA Letter of Map Amendment. For more information, see the links below.

What do I need to know about flood insurance?back to top

Everyone lives in a flood zone. You can protect your home, business, and belongings with flood insurance from the NFIP. Flood insurance is necessary because homeowners insurance does not cover flood losses.

What do I need know about developing in a floodplain area?back to top

If the community participates in the NFIP, the community has adopted at least the minimum NFIP standards into the community's floodplain regulations. Some communities adopt stricter floodplain regulations. For more information, contact the community's building or planning office and see the links below.

What can community officials do to better protect their community and residents from flood damage?back to top

Portable Document Format Symbol Portable Document Format (.pdf). Visit nh.gov for a list of free .pdf readers for a variety of operating systems.


NH Office of Energy and Planning
Governor Hugh J. Gallen State Office Park
Johnson Hall, 3rd Floor  |  107 Pleasant Street  |  Concord, NH 03301
(603) 271-2155  |  fax: (603) 271-2615