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Natural hazards · Concord

Concord, NH natural hazards

Most of the natural-hazard damage FEMA expects in Concord comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 24 claims here since 1978. 3 federal disasters brought FEMA money into town.

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

How exposed is Concord?

46
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Concord to be higher than in 46% of U.S. communities, mostly from inland flooding.

Inland flooding64%Hurricanes10%Earthquakes5%Everything else21%
By hazard

What Concord faces

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

Inland flooding

64% of expected damage
Above average · higher than 65% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

10% of expected damage
Well above average · higher than 81% of U.S. places
Recorded about once every 13 years in the area

Earthquakes

5% of expected damage
Above average · higher than 61% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Concord flood?

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

24paid claims since 1978
$190Kpaid to owners
2homes flooded more than once
19782026

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. Concord 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 Concord

3 federal disasters brought FEMA money here

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

Brought FEMA money into ConcordDeclared for Merrimack County only
2007

Severe Storms and Flooding

9 households applied for aid $5K aid approved
2006

Severe Storms and Flooding

120 households applied for aid $129K aid approved
2005

Severe Storms and Flooding

5 households applied for aid $2K aid approved
Merrimack County has had 24 natural disasters declared since 1953, most often severe storms and floods.
Around Concord

Concord and the towns around it

Pembroke: High, mostly inland floodingBow: Low, mostly inland floodingCanterbury: Moderate, mostly inland floodingHopkinton: High, mostly inland floodingBoscawen: Moderate, mostly inland floodingLoudon: High, mostly inland floodingAllenstown: High, mostly inland floodingChichester: Moderate, mostly inland floodingEpsom: High, mostly inland floodingDunbarton: Low, mostly inland floodingHooksett: Low, mostly inland floodingNorthfield: High, mostly inland floodingHenniker: Moderate, mostly inland floodingWarner: High, mostly inland floodingWebster: High, mostly inland floodingWeare: High, mostly inland floodingSalisbury: High, mostly inland floodingFranklin: High, mostly inland floodingGilmanton: Moderate, mostly inland floodingConcord: Moderate, mostly inland flooding ConcordPembrokeBowCanterburyHopkintonBoscawenLoudon
Very lowLowModerateHighVery high
Loudonmostly inland floodingHigh
Hopkintonmostly inland floodingHigh
Pembrokemostly inland floodingHigh
Boscawenmostly inland floodingModerate
Concordmostly inland floodingModerate
Canterburymostly inland floodingModerate
Bowmostly 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. Concord covers 12 census tracts, combined by population.
Money that reached townFlood claims are matched to Concord’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Concord. 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 Concord total about $12.2M 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/18 · 2025-01-01
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