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Natural hazards · Effingham

Effingham, NH natural hazards

Most of the natural-hazard damage FEMA expects in Effingham comes from inland flooding, and overall the risk is high for a U.S. community. 9 federal disasters brought FEMA money into town.

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

How exposed is Effingham?

78
High
vs. U.S. communities

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

Inland flooding75%Hurricanes12%Everything else12%
By hazard

What Effingham 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 90% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

12% of expected damage
Well above average · higher than 85% of U.S. places
Recorded about once every 11 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 Effingham flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Effingham 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 Effingham

9 federal disasters brought FEMA money here

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

Brought FEMA money into EffinghamDeclared for Carroll County only
2024

Severe Winter Storm and Flooding

$117K to the Town of Effingham for repairs
2023

Severe Storms and Flooding

$57K to the Town of Effingham for repairs
2022

Severe Storm and Flooding

$11K to the Town of Effingham for repairs
2017

Severe Storm and Flooding

$14K to the Town of Effingham for repairs
2013

Severe Winter Storm and Snowstorm

$15K to the Town of Effingham for repairs
2011

Tropical Storm Irene

1 household applied for aid $10K to the Town of Effingham for repairs
2008

Severe Winter Storm

$6K to the Town of Effingham for repairs
2008

Severe Storms and Flooding

$14K to the Town of Effingham for repairs
2007

Severe Storms and Flooding

$68K to the Town of Effingham for repairs
Carroll County has had 27 natural disasters declared since 1953, most often severe storms and winter storms.
Around Effingham

Effingham and the towns around it

Freedom: High, mostly inland floodingOssipee: High, mostly inland floodingParsonsfield: Moderate, mostly inland floodingWakefield: High, mostly inland floodingEaton: High, mostly inland floodingMadison: High, mostly inland floodingPorter: Moderate, mostly inland floodingWolfeboro: Moderate, mostly inland floodingTamworth: High, mostly inland floodingTuftonboro: Moderate, mostly inland floodingMoultonborough: Moderate, mostly inland floodingHiram: Moderate, mostly inland floodingCornish: Moderate, mostly inland floodingNewfield: Low, mostly inland floodingLimerick: Very low, mostly inland floodingActon: Low, mostly inland floodingBrookfield: High, mostly inland floodingMilton: Low, mostly inland floodingMiddleton: Low, mostly inland floodingEffingham: High, mostly inland flooding EffinghamFreedomOssipeeParsonsfieldWakefield
Very lowLowModerateHighVery high
Effinghammostly inland floodingHigh
Ossipeemostly inland floodingHigh
Freedommostly inland floodingHigh
Wakefieldmostly inland floodingHigh
Parsonsfieldmostly 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. Effingham covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Effingham’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Effingham. 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 Effingham total about $934K 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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You’re in Effingham, NHCarroll CountyView boundary

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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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