Natural hazards · Albany

Albany, NH natural hazards

Most of the natural-hazard damage FEMA expects in Albany comes from inland flooding, and overall the risk is high for a U.S. community. 2 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Albany?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Albany to be higher than in 70% of U.S. communities, mostly from inland flooding.

Inland flooding75%Hurricanes14%Everything else11%

By hazard

What Albany faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

75% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 3 times a year in the area

Hurricanes

14% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once every 13 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Albany flood?

FEMA's records show no paid flood insurance claims in Albany.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Albany isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Carroll County.

Disasters that hit Albany

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Albany itself: aid to households, or repair grants to the Town of Albany.

Brought FEMA money into AlbanyDeclared for Carroll County only

2011

Tropical Storm Irene

3 households applied for aid $8K aid approved

2007

Severe Storms and Flooding

$11K to the Town of Albany for repairs

Carroll County has had 27 natural disasters declared since 1953, most often severe storms and winter storms.

Around Albany

Albany and the towns around it

Very lowLowModerateHighVery high

Waterville Valleymostly inland floodingVery high

Bartlettmostly inland floodingVery high

Conwaymostly inland floodingHigh

Albanymostly inland floodingHigh

Tamworthmostly inland floodingHigh

Madisonmostly inland floodingHigh

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Albany covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Albany’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Albany. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Albany total about $1.6M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.