New Hampshire natural disaster risk
Ratings for all 10 counties, the federal disaster record and flood insurance across the state.
New Hampshire has had 48 major federal disaster declarations for natural events since 1953. FEMA expects about $463 million a year in losses from natural hazards across the state. Inland flooding is the costliest hazard in 10 of its 10 counties. None is rated Very High overall. About 1% of homes carry federal flood insurance, and the program has paid $67 million on 4,395 claims here since 1978.
Recent federal declarations
All states ›Largest counties
Hillsborough County
422,867 people
Inland floodingRockingham County
314,137 people
Inland floodingMerrimack County
153,727 people
Inland floodingStrafford County
130,861 people
Inland floodingGrafton County
91,072 people
Inland floodingCheshire County
76,445 people
Inland floodingBelknap County
63,653 people
Inland floodingCarroll County
50,016 people
Inland floodingSullivan County
43,048 people
Inland floodingCoos County
31,248 people
Inland floodingCities in New Hampshire
All 5 cities ›All 10 counties
| Name | People | Overall risk | Top hazard | Declarations | Homes insured |
|---|---|---|---|---|---|
| Belknap County | 63,653 | Inland flooding | 28 | 0.6% | |
| Carroll County | 50,016 | Inland flooding | 34 | 0.9% | |
| Cheshire County | 76,445 | Inland flooding | 31 | 0.9% | |
| Coos County | 31,248 | Inland flooding | 26 | 0.6% | |
| Grafton County | 91,072 | Inland flooding | 38 | 1.1% | |
| Hillsborough County | 422,867 | Inland flooding | 29 | 0.7% | |
| Merrimack County | 153,727 | Inland flooding | 27 | 0.8% | |
| Rockingham County | 314,137 | Inland flooding | 33 | 2.2% | |
| Strafford County | 130,861 | Inland flooding | 23 | 0.6% | |
| Sullivan County | 43,048 | Inland flooding | 31 | 0.7% |
Linked names have a full page. Overall risk from the FEMA National Risk Index (December 2025); declarations are federal disaster and emergency declarations for natural events since 1953 (OpenFEMA); homes insured is the share with NFIP flood policies.