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Natural hazards · Epsom

Epsom, NH natural hazards

Most of the natural-hazard damage FEMA expects in Epsom comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 18 claims here since 1984. 8 federal disasters brought FEMA money into town.

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

How exposed is Epsom?

75
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Epsom to be higher than in 75% of U.S. communities, mostly from inland flooding.

Inland flooding75%Hurricanes10%Everything else16%
By hazard

What Epsom 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 89% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

10% of expected damage
Well above average · higher than 83% of U.S. places
Recorded about once every 8 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong 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 Epsom flood?

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

18paid claims since 1984
$508Kpaid to owners
4homes flooded more than once
19842026

Biggest named events

  • March 2010 Nor'easter: 2 claims, $4K

Homes that flooded again and again

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

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

What’s been done with FEMA grants

1flood-prone properties bought out and cleared
Disasters that hit Epsom

8 federal disasters brought FEMA money here

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

Brought FEMA money into EpsomDeclared for Merrimack County only
2013

Severe Winter Storm and Snowstorm

$16K to the Town of Epsom for repairs
2011

Tropical Storm Irene

$9K to the Town of Epsom for repairs
2010

Severe Winter Storm

$34K to the Town of Epsom for repairs
2008

Severe Winter Storm

$37K to the Town of Epsom for repairs
2008

Severe Storms and Flooding

$15K to the Town of Epsom for repairs
2008

Severe Storms, Tornado, and Flooding

$16K to the Town of Epsom for repairs
2007

Severe Storms and Flooding

48 households applied for aid $350K aid approved $859K to the Town of Epsom for repairs
2006

Severe Storms and Flooding

25 households applied for aid $29K aid approved $76K to the Town of Epsom for repairs
Merrimack County has had 24 natural disasters declared since 1953, most often severe storms and floods.
Around Epsom

Epsom and the towns around it

Chichester: Moderate, mostly inland floodingPittsfield: High, mostly inland floodingAllenstown: High, mostly inland floodingPembroke: High, mostly inland floodingDeerfield: Moderate, mostly inland floodingLoudon: High, mostly inland floodingBarnstead: High, mostly inland floodingNorthwood: Very low, mostly inland floodingStrafford: Low, mostly inland floodingHooksett: Low, mostly inland floodingConcord: Moderate, mostly inland floodingBow: Low, mostly inland floodingCandia: Low, mostly inland floodingNottingham: Moderate, mostly inland floodingEpsom: High, mostly inland flooding EpsomChichesterPittsfieldAllenstownPembrokeDeerfield
Very lowLowModerateHighVery high
Epsommostly inland floodingHigh
Allenstownmostly inland floodingHigh
Pittsfieldmostly inland floodingHigh
Pembrokemostly inland floodingHigh
Deerfieldmostly inland floodingModerate
Chichestermostly 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. Epsom covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Epsom’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Epsom. 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 Epsom total about $2.1M 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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