Flood insurance in New Hampshire: cost by ZIP code and county
New Hampshire's 3,492 single-family flood policies had a median bill of $1,376 on July 31, 2026, above the national median.
Median single-family flood bill, New Hampshire
$1,376
3,492 policies in force on July 31, 2026, premium and fees included.
| Median full-risk price, same policies | $2,189 |
| Policies still below their full-risk price | 53 % |
| Median paid in August 2023 | $972 |
| Increase left from the median | 3 renewals at 18 % |
| Next five bills, added up | $10,065 |
| Median claim paid, 2016 to 2025 (319 claims) | $12,228 |
Compiled by Radif Partners · Where the numbers come from · 139 ZIP codes and 10 counties of New Hampshire in FEMA's tables · not a quote
New Hampshire flood insurance costs more than the national norm and is set to keep rising. The median single-family bill was $1,376 a year on July 31, 2026, across 3,492 federal policies, against $1,081 nationwide; the figure includes the premium, the Reserve Fund Assessment, the HFIAA surcharge and the Federal Policy Fee. At full risk, the same homes would have a median bill of $2,189, and 53 % of them still pay less than their full-risk premium, above the national 47 %. A-zone homes, the bulk of the book, paid a median $1,663 with a full-risk median of $2,617. Rockingham County, home of Hampton, Rye and Portsmouth, accounts for 42 % of policies. Inland, Grafton and Merrimack counties show some of the largest distances to full risk. From 2016 to 2025, 319 single-family claims were paid, median $12,228.
Expensive for a state with little coast
Only 31 % of New Hampshire policies were exposed to storm surge in FEMA's 2023 tables, a lower share than in the other coastal states of New England, yet the state's bills run high. The price bands explain it: 55 % of New Hampshire homes had a full-risk price of $2,000 or more in 2023, against 30 % of homes nationwide.
Policies are concentrated in A zones: 2,147 of the 3,492. The 1,231 X-zone policies paid a median $1,139, and the small V-zone group (113 homes) $1,491.
Rockingham County, on the coast
Hampton, Rye and Portsmouth sit in Rockingham County, which has 1,481 policies, a median bill of $1,402 and a median full-risk bill of $2,439. More than half of them, 56 %, are still capped. At the county medians, a main home needs about 4 renewals of increases of up to 18 % to reach full risk.
Rockingham County medians: the capped federal path against a private quote
Federal policy cheaper over five years by
$3,608
| Federal, renewal 5 | $2,439 |
| Private, renewal 5 | $3,318 |
The county also has the most paid claims in the state, 213, with a median of $14,949. The December Nor'easter of 2023, the only event listed for the state, paid 35 claims across New Hampshire.
Hillsborough, Grafton, Merrimack and Carroll
Hillsborough County, with Manchester and Nashua, has 638 policies at a median of $1,204. Cheshire County paid a median $1,364 and Strafford County $1,150. Farther north the gaps widen. Grafton County showed the largest one in the 2023 tables, $1,099 paid against $3,277 at full risk, and its median bill of $1,630 on July 31, 2026 is the highest of the large counties. Merrimack County, around Concord, has a full-risk median of $2,540; Carroll County, which includes Wolfeboro, Bartlett and Jackson, $1,831. A private quote can compete with those full-risk figures, and the private flood insurance guide sets out what changes when a home leaves the federal program.
The New Hampshire counties with the most policies
| County | Policies | Median bill | Full-risk median | Still below full risk | Renewals left at 18 % | Median bill, August 2023 | Median claim 2016-2025 |
|---|---|---|---|---|---|---|---|
| Rockingham County | 1,481 | $1,402 | $2,439 | 56 % | 4 | $958 | $14,949 |
| Hillsborough County | 638 | $1,204 | $1,879 | 52 % | 3 | $885 | $9,778 |
| Merrimack County | 294 | $1,426 | $2,540 | 50 % | 4 | $1,024 | n/a |
| Carroll County | 245 | $1,351 | $1,831 | 49 % | 2 | $986 | $9,502 |
| Grafton County | 224 | $1,630 | $3,231 | 62 % | 5 | $1,099 | $7,601 |
| Cheshire County | 156 | $1,364 | $1,579 | 40 % | 1 | $1,110 | n/a |
| Strafford County | 170 | $1,150 | $1,325 | 37 % | 1 | $863 | n/a |
| Belknap County | 130 | $1,354 | $1,553 | 37 % | 1 | $986 | n/a |
Full-risk prices of New Hampshire homes, band by band
| Full risk-based price a year | Policies | Share | Median rebuild value |
|---|---|---|---|
| $0 to $1,000 | 707 | 18.0 % | $460,076 |
| $1,000 to $2,000 | 1,051 | 26.7 % | $385,668 |
| $2,000 to $3,000 | 811 | 20.6 % | $368,090 |
| $3,000 to $4,000 | 580 | 14.8 % | $375,916 |
| $4,000 to $5,000 | 352 | 9.0 % | $417,195 |
| $5,000 or more | 432 | 11.0 % |
The floods that paid the most New Hampshire claims since 2016
| Event (FEMA name) | Year | Paid claims | Paid in total |
|---|---|---|---|
| December Nor'easter | 2023 | 35 | $739,685 |