Flood insurance cost · Rockingham County, NH

Flood insurance cost in Rockingham County, New Hampshire

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,859 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,396a year

Half of insured homes paid between $1,065 and $2,099. That is about the same as the New Hampshire median ($1,370). Most insured homes here are rated in zone AE (51%).

$0$1,065 · $1,396 · $2,099$2,624

+15.0% vs Aug 31, 2025 (median $1,214)

1,859home policies in force

$1,709average cost (mean)

71%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 Rockingham 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 VE / V High risk, coastal	$1,474	$1,244–$2,091	$1,786	124 (7%)	+6.8%
Zone AE High risk	$1,606	$1,194–$2,629	$1,976	947 (51%)	+12.3%
Zone A High risk	$1,273	$985–$1,995	$1,693	93 (5%)	+4.0%
Zone AO High risk, shallow	$1,590	$1,234–$2,719	$2,017	156 (8%)	−0.7%
Zone X Moderate to low risk	$1,155	$752–$1,400	$1,137	539 (29%)	+12.2%

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 Rockingham County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	1,446	$1,404	$1,750
2–4 unit building	182	$1,814	$2,268
Manufactured (mobile) home	26	$972	$1,084
Condo or apartment unit	205	$870	$1,006
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.	196	$4,846	$6,172
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	139	$2,094	$3,115

2,194NFIP policies in force, any building

3,732insured units (condo association policies count every unit)

63%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: Rockingham 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	1,938	1,859	−4.1%
Median annual cost	$1,214	$1,396	+15.0%
Average annual cost	$1,591	$1,709	+7.4%
All policies in force (any building)	2,277	2,194	−3.6%

How many homes have flood insurance?

2.2%of all homes in Rockingham County have an NFIP policy

37.5%of homes in high-risk zones (special flood hazard area) have one

92,454residential buildings counted by FEMA

3,948of 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 Rockingham County, New Hampshire have filed 2,180 flood claims. 1,639 received a payment, for a total of $31.1 million (an average of $19,003 per paid claim). The year with the most claims was 2006 (265 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 (25)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2024	252	216	$10,242,473	$47,419
2023	20	12	$175,448	$14,621
2022	91	71	$1,875,684	$26,418
2018	98	69	$2,231,374	$32,339
2013	15	11	$175,398	$15,945
2010	115	89	$1,108,446	$12,454
2008	14	<10	–	–
2007	201	174	$3,836,921	$22,051
2006	265	234	$5,536,835	$23,662
2005	14	11	$72,805	$6,619
2004	23	18	$89,077	$4,949
2003	11	<10	–	–
2001	26	18	$146,450	$8,136
1998	29	21	$77,680	$3,699
1997	11	<10	–	–
1996	206	152	$1,793,589	$11,800
1993	23	<10	–	–
1992	21	15	$27,230	$1,815
1991	258	178	$1,854,136	$10,416
1990	16	<10	–	–
1987	91	48	$229,373	$4,779
1983	16	<10	–	–
1981	12	<10	–	–
1979	71	44	$88,326	$2,007
1978	179	155	$852,013	$5,497

From 2016 to 2026: 461 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.

ZIP codes in Rockingham County

ZIP codes with at least 300 NFIP home policies in force have their own page.

ZIP 03842 · Hamptonmedian $1,567 · 803 homes

Main NFIP communities in the county

Hampton (824 home policies) · Rye (241 home policies) · Seabrook Beach Village District (114 home policies) · Portsmouth (97 home policies) · Salem (92 home policies) · Derry (52 home policies)