Information for property owners, renters, and businesses regarding how to determine your property’s flood risk, lender flood insurance requirements, buying and developing in a floodplain area, and flood insurance.
How to determine the flood risk for a property or structure:
- Use the NH Flood Hazards Viewer or the FEMA Flood Map Service Center to get the latest flood hazard information online
- Quick Guides:
Floodplain Maps and Studies
- Floodplain Maps and Studies
- Current NH Floodplain Mapping Activities
- How to Change the Floodplain Maps
Things you can do to reduce flood risk to your home:
- Actions You Can Take to Protect a Flood-Prone House or Business with a Crawlspace (ASFPM)
- The Costs and Benefits of Building Higher
- Protect Your Home from Flooding: Low-Cost Projects You Can Do Yourself
- Homeowner’s Guide to Retrofitting
What to know about flood insurance:
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.
- Overview of flood insurance and recent flood insurance rate changes
- Why Do I Need Flood Insurance? (FEMA Brochure)
- To learn more or to purchase flood insurance - contact your existing insurance agent or visit FEMA’s FloodSmart.gov website.
What to know when your lender determines your structure/property is in the floodplain and what options you have:
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.
- To learn more or to purchase flood insurance - contact your current insurance agent or visit FEMA’s FloodSmart.gov website.
- FEMA LOMA application process to remove a structure or property from the floodplain
- Letter of Map Amendment (LOMA)
What to know about developing in a floodplain:
If a 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, see the links below.
- 5 Things You Need to Know About Your Community Floodplain Ordinance
- Community floodplain regulations and permitting
- 12 Key Floodplain Management Regulations
- Technical information and guidance on various floodplain regulations