Introduction
Flood insurance is necessary because homeowners insurance does not cover flood losses. Anyone who applies for a federally-funded mortgage or refinancing on an existing home in flood-prone areas will be required to carry flood insurance for the life of the mortgage.
All residents in NFIP participating communities can purchase federally subsidized flood insurance. If you are interested in purchasing flood insurance to cover future flood damages, please view the links below and contact your current insurance company for more information.
For residents in non-participating communities, private insurance for such at-risk structures can be very expensive and difficult to obtain. For assistance in finding private insurance, contact your current insurance company.
NH Flood Insurance Statistics (updated 9/2/09)
| County |
Number of Policies* |
| As of 3/31/09 |
As of 4/30/09 |
As of 5/31/09 |
as of 6/30/09 |
as of 7/31/09 |
as of 8/31/09 |
| Belknap |
323 |
330 |
330 |
330 |
323 |
323 |
| Carroll |
499 |
525 |
517 |
517 |
505 |
510 |
| Cheshire |
517 |
541 |
543 |
543 |
535 |
534 |
| Coos |
175 |
188 |
189 |
189 |
187 |
184 |
| Grafton |
897 |
929 |
919 |
919 |
921 |
910 |
| Hillsborough |
1,270 |
1,345 |
1,346 |
1,346 |
1,294 |
1,297 |
| Merrimack |
593 |
615 |
618 |
618 |
597 |
589 |
| Rockingham |
3,680 |
3,875 |
3,907 |
3,907 |
3,856 |
3,928 |
| Strafford |
444 |
460 |
451 |
451 |
443 |
446 |
| Sullivan |
170 |
179 |
178 |
178 |
173 |
173 |
| Total |
8,568 |
8,987 |
8,998 |
8,998 |
8,834 |
8,894 |
| % Difference |
0 |
+4.89 |
+0.12 |
0 |
-1.82 |
+0.68 |
* Source: FEMA
Top 10 NH Communities with the Highest Number of Total Policies
Community |
Number of Total Policies*
(As of 8/31/09) |
| 1. HAMPTON |
1,623 |
| 2. SALEM |
468 |
| 3. KEENE |
330 |
| 4. RYE |
303 |
| 5. NASHUA |
255 |
| 6. WOODSTOCK |
236 |
| 7. DERRY |
209 |
| 8. MANCHESTER |
193 |
| 9. RAYMOND |
170 |
| 10.
SEABROOK BEACH |
159 |
* Source: FEMA
Top 10 NH Communities with the Highest Number of Total Paid Losses
Community |
Number of Total Paid Losses*
(As of 8/31/09) |
| 1. HAMPTON |
649 |
| 2. RYE |
247 |
| 3. GOFFSTOWN |
147 |
| 4. KEENE |
134 |
| 5. OSSIPEE |
127 |
| 6. SALEM |
126 |
| 7. ALLENSTOWN |
88 |
| 8. RAYMOND |
77 |
| 9. EXETER |
74 |
| 10. HOLDERNESS |
56 |
* Source: FEMA
Top 10 NH Communities with the Highest Number of Total Repetitive Losses
Community |
Number of Total Repetitive Losses*
(As of 8/31/09) |
1. GOFFSTOWN |
32 |
2. HAMPTON |
31 |
3. ALLENSTOWN |
25 |
4. RYE |
14 |
5. EXETER |
13 |
6. RAYMOND |
12 |
7. SALEM |
12 |
8. MERRIMACK |
10 |
9. EPPING |
9 |
10. FREMONT |
9 |
* Source: FEMA
Repetitive Loss means flood-related damage sustained by a structure on two separate occasions during a 10-year period for which the cost of repairs at the time of each such flood event, on the average, equals or exceeds 25 percent of the market value of the structure before the damage occurred.
For More Information
Please visit FEMA’s FloodSmart Web site 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:
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