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Flood insurance cost · NH

Flood insurance cost in New Hampshire

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 4,116 home policies in force on August 31, 2026.

New HampshirePolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,370a year

Half of insured homes paid between $961 and $2,040. That is 27% more than the national median ($1,082). The most common flood zone for insured homes here is zone AE (48%).

$0$961 · $1,370 · $2,040$2,550
+13.8% vs Aug 31, 2025 (median $1,204)
4,116home policies in force
$1,682average cost (mean)
66%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: see FEMA declarations and IRS tax relief in New Hampshire, county by county.

Cost by flood zone in New Hampshire

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$1,474$1,244–$2,091$1,786124 (3%)+6.8%
Zone AE
High risk		$1,660$1,148–$2,663$2,0381,960 (48%)+10.5%
Zone A
High risk		$1,477$1,060–$2,246$1,814463 (11%)+6.0%
Zone AO
High risk, shallow		$1,556$1,220–$2,679$1,991164 (4%)+1.6%
Zone X
Moderate to low risk		$1,103$649–$1,391$1,0951,404 (34%)+7.9%

Not shown (fewer than 10 home policies): AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in New Hampshire, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,386$1,390$1,714
2–4 unit building286$1,862$2,311
Manufactured (mobile) home118$1,138$1,323
Condo or apartment unit326$766$919
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		368$3,958$5,126
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		635$2,460$3,521
5,119NFIP policies in force, any building
7,154insured units (condo association policies count every unit)
61%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: New Hampshire

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force4,3034,116−4.3%
Median annual cost$1,204$1,370+13.8%
Average annual cost$1,571$1,682+7.1%
All policies in force (any building)5,3245,119−3.9%

Flood claims history

Since 1978, NFIP policyholders in New Hampshire have filed 4,423 flood claims. 3,299 received a payment, for a total of $67.3 million (an average of $20,402 per paid claim). The year with the most claims was 2006 (594 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 217 claims, 180 paid, $933,863 in total1979: 118 claims, 74 paid, $255,843 in total1980: 18 claims19801981: 67 claims, 55 paid, $143,341 in total1982: 20 claims1983: 30 claims, 16 paid, $69,450 in total1984: 154 claims, 90 paid, $371,126 in total1986: 47 claims, 31 paid, $199,537 in total1987: 268 claims, 177 paid, $1,234,454 in total1988: 17 claims1990: 20 claims19901991: 259 claims, 178 paid, $1,843,012 in total1992: 33 claims, 25 paid, $67,518 in total1993: 32 claims1994: 14 claims1995: 17 claims, 11 paid, $159,421 in total1996: 283 claims, 202 paid, $2,354,732 in total19961997: 15 claims, 10 paid, $144,159 in total1998: 120 claims, 92 paid, $729,572 in total1999: 15 claims2000: 22 claims, 14 paid, $116,965 in total20002001: 37 claims, 23 paid, $189,463 in total2002: 12 claims2003: 23 claims, 18 paid, $164,097 in total2004: 46 claims, 30 paid, $220,004 in total2005: 180 claims, 135 paid, $5,207,849 in total2006: 594 claims, 520 paid, $13,838,834 in total20062007: 489 claims, 421 paid, $10,838,950 in total20072008: 51 claims, 33 paid, $824,919 in total2009: 12 claims2010: 179 claims, 141 paid, $2,260,659 in total20102011: 172 claims, 130 paid, $3,469,631 in total2012: 48 claims, 41 paid, $1,821,786 in total2013: 40 claims, 26 paid, $369,324 in total2014: 35 claims, 21 paid, $219,757 in total2015: 15 claims2017: 62 claims, 51 paid, $1,103,425 in total2018: 115 claims, 79 paid, $2,480,276 in total2019: 16 claims20202021: 20 claims, 13 paid, $929,118 in total2022: 95 claims, 72 paid, $1,878,781 in total2023: 113 claims, 85 paid, $2,037,767 in total2024: 258 claims, 221 paid, $10,410,520 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (43)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2024258221$10,410,520$47,106
202311385$2,037,767$23,974
20229572$1,878,781$26,094
20212013$929,118$71,471
201916<10––
201811579$2,480,276$31,396
20176251$1,103,425$21,636
201515<10––
20143521$219,757$10,465
20134026$369,324$14,205
20124841$1,821,786$44,434
2011172130$3,469,631$26,689
2010179141$2,260,659$16,033
200912<10––
20085133$824,919$24,998
2007489421$10,838,950$25,746
2006594520$13,838,834$26,613
2005180135$5,207,849$38,577
20044630$220,004$7,333
20032318$164,097$9,116
200212<10––
20013723$189,463$8,238
20002214$116,965$8,355
199915<10––
199812092$729,572$7,930
19971510$144,159$14,416
1996283202$2,354,732$11,657
19951711$159,421$14,493
199414<10––
199332<10––
19923325$67,518$2,701
1991259178$1,843,012$10,354
199020<10––
198817<10––
1987268177$1,234,454$6,974
19864731$199,537$6,437
198415490$371,126$4,124
19833016$69,450$4,341
198220<10––
19816755$143,341$2,606
198018<10––
197911874$255,843$3,457
1978217180$933,863$5,188

From 2016 to 2026: 679 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in New Hampshire

Counties with at least 100 NFIP home policies in force have their own page.

Other counties (fewer policies, no separate page)
CountyHome policiesMedian
Coos County83$1,597
Sullivan County89$1,491

ZIP codes with the most insured homes