FloodZoneCheck

New Hampshire Flood Zones

FEMA Flood Zone Lookup in New Hampshire

Look up any address in New Hampshire to find its FEMA flood zone designation, insurance requirements, and base flood elevation — sourced from the official National Flood Hazard Layer.

New Hampshire faces flood risk from the Connecticut and Merrimack rivers, urban flash flooding in the southern tier, and coastal flooding along its 18-mile seacoast. The Connecticut River forms the state's western border and regularly floods its valley with the 1927, 1936, and 1987 floods causing significant damage. The Merrimack River floods through Concord and Manchester with the 2005 and 2008 events causing tens of millions in damage. The January 2024 winter storm brought record storm surge to the seacoast damaging Hampton Beach and other coastal communities. Flash flooding is an increasing concern in the southern part of the state where rapid development has increased impervious surfaces. The Souhegan, Piscataquog, and Exeter rivers have all experienced flash flood events. The state's mountainous terrain in the north creates concentrated runoff events. New Hampshire has approximately 120 NFIP-participating communities with high-risk zones concentrated along the Connecticut and Merrimack river valleys and the seacoast. Sea level rise is expected to increase coastal flood frequency along the short but vulnerable Atlantic coastline.

Most Common Zones

Zone AE along the Connecticut and Merrimack rivers; Zone VE along the Atlantic coast at Hampton Beach and Rye; Zone X (shaded) for moderate-risk areas in Concord and Manchester; Zone AH for shallow flooding in river valley communities.

Most Flood-Prone Counties

Hillsborough County, Rockingham County, Merrimack County, Strafford County, Cheshire County

Typical Insurance Costs

NFIP premiums range from $600-$1,400 for standard-risk properties. Coastal VE zone properties along Hampton Beach can run $2,000-$4,500+ annually. Riverfront properties along the Connecticut and Merrimack rivers face moderate premiums of $800-$2,000.

Frequently Asked Questions — New Hampshire

Does New Hampshire flood?

Yes. New Hampshire faces flood risk from the Connecticut and Merrimack rivers, coastal storm surge along the seacoast, and urban flash flooding in the southern part of the state. The state has experienced significant floods throughout its history.

How bad is coastal flooding in New Hampshire?

New Hampshire's 18-mile seacoast is vulnerable to storm surge and tidal flooding. The January 2024 winter storm caused record coastal flooding damaging Hampton Beach and other communities. Sea level rise will increase future risk.

Do I need flood insurance in New Hampshire?

If you are in a designated flood zone with a federally backed mortgage, yes. Even outside high-risk zones, river flooding and flash flooding pose real risks throughout the state. About 25% of claims come from outside high-risk areas.

Disclaimer: FloodZoneCheck is a free research tool using public FEMA data, not an official Standard Flood Hazard Determination. Lenders require a certified determination from a licensed provider. Zone boundaries can cross a single parcel — confirm exact risk and insurance requirements with FEMA or your insurer before relying on this for a purchase or insurance decision.

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