NH Office of Energy and Planning
NH Office of Energy and Planning
Office of Energy and Planning - an official New Hampshire Government website
Smaller text size Reset text size Larger text size
skip navigation

An overview of flood insurance, the Flood Insurance Manual, flood insurance statistics, and additional information links

National Flood Insurance Program LogoEveryone lives in a flood zone, whether you live in a low-, moderate- or high-risk flood area. You do not need to live near water to be flooded. Floods are caused by storms, melting snow, hurricanes, water backup due to inadequate or overloaded drainage systems, as well as broken water mains. 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. 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.

All residents in NFIP participating communities can purchase flood insurance. While it is always a good idea to have flood insurance if you live in a high-risk flood area, it is also a good idea even in lower risk areas, since 25%-30% of flood insurance claims come from areas that are designated low-to-moderate risk areas. To learn more about your property's flood risk, please view FEMA's floodplain maps and/or visit FEMA's FloodSmart website and complete the One-Step Flood Risk Profile box, a red box on the left side of the page.

Flood Insurance Reform

In 2012 and 2104, Congress passed the following Acts, which made changes to flood insurance rates under the NFIP.

  • July 6, 2012 - Biggert-Waters Flood Insurance Reform Act of 2012
  • March 21, 2014 - Homeowner Flood Insurance Affordability Act of 2014

April 1, 2015 Flood Insurance Changes

Flood insurance rates and other charges will be revised for new or existing policies beginning on April 1, 2015. In addition to insurance rates, other changes resulting from recent flood insurance reform acts will be implemented that will affect the total amount a policyholder pays for a flood insurance policy.

Some of the changes taking place starting on April 1, 2015 include:

Rate Increases for Properties in High-Risk Areas with Subsidized Rates:

  • Pre-FIRM non-primary residences will increase around 25% a year until they get to full-risk rate;
  • Pre-FIRM primary residences are going up, on average, 14% this year;
  • Pre-FIRM non-residential properties will go up 18%;
  • Post-FIRM Zone A and AE rates will see 9-12% average increase and Zone V and VE rates will increase 9% on average.


  • All new and renewal primary residential policies (including Post-FIRM buildings and Preferred Risk Policies) will include a $25 surcharge.
  • Policies for all other buildings will include a $250 surcharge.

Properties Newly Mapped into a High-Risk Area:

Eligible properties newly identified as high-risk (i.e., newly mapped into Zones A or V) can be rated with lower-cost Preferred Risk Policy rates for the first 12 months after the new flood map becomes effective. For each subsequent renewal, rates will increase up to 18 percent a year until they reach standard Zone X premium (or premium using the new map's zone if it is cheaper).

For more details about these changes, see the April 2015 Changes Fact Sheet pdf file and FEMA's Flood Insurance Reform page.

Flood Insurance Manual

The NFIP Flood Insurance Manual contains the procedures and the rating tables set by FEMA that are used by insurance companies (called Write-Your-Own companies) to determine a flood insurance premium. The Manual is revised by FEMA in May and October of each year. Below is a summary of recent and proposed changes to the Manual including rates. Click on the below headings for more details.

For More Information

Please visit FEMA's FloodSmart website to find out about:

  • Flood insurance policies and coverage
  • Finding an agent in your area
  • How to purchase flood insurance
  • How to file a claim

Other helpful information about flood insurance can be found at the following links:

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