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Natural hazards · Belmont

Belmont, NH natural hazards

Most of the natural-hazard damage FEMA expects in Belmont comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 17 claims here since 1984. 10 federal disasters brought FEMA money into town.

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

How exposed is Belmont?

70
High
vs. U.S. communities

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

Inland flooding71%Lightning10%Everything else19%
By hazard

What Belmont faces

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

Inland flooding

71% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about once a year in the area

Lightning

10% of expected damage
Well above average · higher than 80% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong wind

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Belmont flood?

Every paid claim on a federal flood insurance policy in Belmont, from FEMA’s records.

17paid claims since 1984
$199Kpaid to owners
4homes flooded more than once
19842026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of all homes
are insured
No community discount. Belmont isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Belknap County.
Disasters that hit Belmont

10 federal disasters brought FEMA money here

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

Brought FEMA money into BelmontDeclared for Belknap County only
2022

Severe Storm and Flooding

$28K to the Town of Belmont for repairs
2017

Severe Storm and Flooding

$39K to the Town of Belmont for repairs
2017

Severe Winter Storm

$20K to the Town of Belmont for repairs
2013

Severe Winter Storm and Snowstorm

$18K to the Town of Belmont for repairs
2011

Tropical Storm Irene

$11K to the Town of Belmont for repairs
2007

Severe Storms and Flooding

2 households applied for aid $16K to the Town of Belmont for repairs
2006

Severe Storms and Flooding

2 households applied for aid $4K aid approved
2005

Severe Storms and Flooding

4 households applied for aid $3K aid approved $77K to the Town of Belmont for repairs
2005

Record And/Or Near Record Snow

$15K to the Town of Belmont for repairs
2003

Snow

$13K to the Town of Belmont for repairs
Belknap County has had 24 natural disasters declared since 1953, most often severe storms and winter storms.
Around Belmont

Belmont and the towns around it

Tilton: Moderate, mostly inland floodingSanbornton: Moderate, mostly inland floodingLaconia: Moderate, mostly inland floodingGilford: Low, mostly inland floodingGilmanton: Moderate, mostly inland floodingNorthfield: High, mostly inland floodingFranklin: High, mostly inland floodingHill: Very high, mostly inland floodingMeredith: Low, mostly inland floodingNew Hampton: Moderate, mostly inland floodingAlton: Moderate, mostly inland floodingBarnstead: High, mostly inland floodingLoudon: High, mostly inland floodingBoscawen: Moderate, mostly inland floodingCanterbury: Moderate, mostly inland floodingBelmont: High, mostly inland flooding BelmontTiltonSanborntonLaconiaGilfordGilmantonNorthfield
Very lowLowModerateHighVery high
Northfieldmostly inland floodingHigh
Belmontmostly inland floodingHigh
Tiltonmostly inland floodingModerate
Sanborntonmostly inland floodingModerate
Laconiamostly inland floodingModerate
Gilmantonmostly inland floodingModerate
Gilfordmostly inland floodingLow
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. Belmont covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Belmont’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Belmont. 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 Belmont total about $2.5M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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