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Natural hazards · Bradford

Bradford, NH natural hazards

Most of the natural-hazard damage FEMA expects in Bradford comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 18 claims here since 1979. 10 federal disasters brought FEMA money into town.

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

How exposed is Bradford?

78
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bradford to be higher than in 78% of U.S. communities, mostly from inland flooding.

Inland flooding80%Hurricanes7%Everything else13%
By hazard

What Bradford faces

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

Inland flooding

80% of expected damage
Well above average · higher than 91% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

7% of expected damage
Well above average · higher than 83% of U.S. places
Recorded about once every 10 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 Bradford flood?

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

18paid claims since 1979
$293Kpaid to owners
4homes flooded more than once
19792026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

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

10 federal disasters brought FEMA money here

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

Brought FEMA money into BradfordDeclared for Merrimack County only
2013

Severe Winter Storm and Snowstorm

$9K to the Town of Bradford for repairs
2011

Tropical Storm Irene

$103K to the Town of Bradford for repairs
2010

Severe Winter Storm

$29K to the Town of Bradford for repairs
2008

Severe Winter Storm

$20K to the Town of Bradford for repairs
2007

Severe Storms and Flooding

7 households applied for aid $11K aid approved $96K to the Town of Bradford for repairs
2006

Severe Storms and Flooding

10 households applied for aid $6K aid approved $11K to the Town of Bradford for repairs
2005

Severe Storms and Flooding

8 households applied for aid $8K aid approved $365K to the Town of Bradford for repairs
2005

Record And/Or Near Record Snow

$7K to the Town of Bradford for repairs
2003

Snow

$12K to the Town of Bradford for repairs
2001

Snow

$7K to the Town of Bradford for repairs
Merrimack County has had 24 natural disasters declared since 1953, most often severe storms and floods.
Around Bradford

Bradford and the towns around it

Warner: High, mostly inland floodingNewbury: Moderate, mostly inland floodingWashington: High, mostly inland floodingHillsborough: High, mostly inland floodingSutton: Moderate, mostly inland floodingSalisbury: High, mostly inland floodingWebster: High, mostly inland floodingWilmot: Very high, mostly inland floodingHopkinton: High, mostly inland floodingSunapee: Moderate, mostly inland floodingNew London: Very low, mostly inland floodingGoshen: High, mostly inland floodingLempster: High, mostly inland floodingMarlow: High, mostly inland floodingWindsor: High, mostly inland floodingStoddard: High, mostly inland floodingDeering: High, mostly inland floodingHenniker: Moderate, mostly inland floodingAntrim: Moderate, mostly inland floodingBradford: High, mostly inland flooding BradfordWarnerNewburyWashingtonHillsborough
Very lowLowModerateHighVery high
Bradfordmostly inland floodingHigh
Warnermostly inland floodingHigh
Hillsboroughmostly inland floodingHigh
Washingtonmostly inland floodingHigh
Newburymostly inland floodingModerate
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. Bradford covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Bradford’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Bradford. 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 Bradford total about $890K 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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