Official NHgov website
nh New Hampshire
OEP OEP
 home about oep programs news and events funding and job opportunities resource library contact OEP  


 OEP Homepage
 About OEP
 OEP Programs
   FM Home
   About the Program
   Contact Us
 News & Events
 Funding/Job Opportunities
 Resource Library
 Contact OEP
 Search OEP

OEP Recovery Icon

ARRA logo


  Floodplain Management Program
 Flood Insurance
 

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:


Adobe Acrobat Reader Symbol Adobe Acrobat Reader format. You can download a free reader from Adobe.

 
state seal NH.gov | Privacy Statement | Accessibility Policy | Site Map