Flood insurance cost · Merrimack County, NH

Flood insurance cost in Merrimack County, New Hampshire

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 304 home policies in force on August 31, 2026.

Merrimack County, New HampshirePolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,402a year

Half of insured homes paid between $819 and $2,291. That is 2% more than the New Hampshire median ($1,370). The most common flood zone for insured homes here is zone AE (40%).

$0$819 · $1,402 · $2,291$2,864

+16.4% vs Aug 31, 2025 (median $1,204)

304home policies in force

$1,791average cost (mean)

63%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.

Cost by flood zone in Merrimack County

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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$2,017	$1,416–$3,467	$2,423	122 (40%)	+8.7%
Zone A High risk	$1,471	$1,068–$2,444	$1,887	71 (23%)	+1.0%
Zone X Moderate to low risk	$907	$528–$1,398	$1,034	111 (37%)	+20.0%

Not shown (fewer than 10 home policies): VE, AO, 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 Merrimack County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	271	$1,411	$1,856
Manufactured (mobile) home	12	$1,268	$1,201
Condo or apartment unit	13	$472	$798
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.	22	$4,184	$5,568
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	55	$2,944	$3,935

Not shown (fewer than 10 policies): 2–4 unit building.

381NFIP policies in force, any building

416insured units (condo association policies count every unit)

62%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: Merrimack County

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, 2025	Aug 31, 2026	Change
Home policies in force	313	304	−2.9%
Median annual cost	$1,204	$1,402	+16.4%
Average annual cost	$1,688	$1,791	+6.1%
All policies in force (any building)	383	381	−0.5%

How many homes have flood insurance?

0.8%of all homes in Merrimack County have an NFIP policy

20.1%of homes in high-risk zones (special flood hazard area) have one

39,725residential buildings counted by FEMA

1,069of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Merrimack County, New Hampshire have filed 300 flood claims. 232 received a payment, for a total of $6,332,795 (an average of $27,297 per paid claim). The year with the most claims was 2006 (89 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (7)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2010	13	11	$420,573	$38,234
2008	10	<10	–	–
2007	75	67	$2,395,369	$35,752
2006	89	79	$2,369,624	$29,995
2005	17	13	$187,749	$14,442
1987	19	13	$53,178	$4,091
1984	14	<10	–	–

2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Main NFIP communities in the county

Concord (53 home policies) · New London (23 home policies) · Bradford (22 home policies) · Hooksett (22 home policies) · Newbury (19 home policies) · Franklin (18 home policies)