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Natural hazards · Fitzwilliam

Fitzwilliam, NH natural hazards

Most of the natural-hazard damage FEMA expects in Fitzwilliam comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2003. 6 federal disasters brought FEMA money into town.

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

How exposed is Fitzwilliam?

40
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fitzwilliam to be higher than in 40% of U.S. communities, mostly from inland flooding.

Inland flooding59%Hurricanes9%Tornadoes8%Cold waves7%Everything else17%
By hazard

What Fitzwilliam faces

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

Inland flooding

59% of expected damage
Above average · higher than 57% of U.S. places
Recorded about once a year in the area

Hurricanes

9% of expected damage
Well above average · higher than 82% of U.S. places
Recorded about once every 10 years in the area

Tornadoes

8% of expected damage
Above average · higher than 52% of U.S. places
Recorded about once every 57 years in the area

Cold waves

7% of expected damage
Below average · higher than 35% of U.S. places
Recorded about 2 times a year in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Fitzwilliam flood?

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

2paid claims since 2003
$6Kpaid to owners
0homes flooded more than once
20032026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Fitzwilliam isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cheshire County.
Disasters that hit Fitzwilliam

6 federal disasters brought FEMA money here

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

Brought FEMA money into FitzwilliamDeclared for Cheshire County only
2021

Severe Storm and Flooding

$99K to the Town of Fitzwilliam for repairs
2008

Severe Winter Storm

$91K to the Town of Fitzwilliam for repairs
2005

Severe Storms and Flooding

2 households applied for aid $2K aid approved
2003

Snow

$4K to the Town of Fitzwilliam for repairs
2003

Severe Storms and Flooding

$6K to the Town of Fitzwilliam for repairs
2001

Snow

$7K to the Town of Fitzwilliam for repairs
Cheshire County has had 27 natural disasters declared since 1953, most often floods and severe storms.
Around Fitzwilliam

Fitzwilliam and the towns around it

Troy: High, mostly inland floodingJaffrey: Moderate, mostly inland floodingRichmond: Moderate, mostly inland floodingRindge: Low, mostly inland floodingMarlborough: High, mostly inland floodingSwanzey: High, mostly inland floodingDublin: Low, mostly inland floodingWinchester: Very high, mostly inland floodingNew Ipswich: Moderate, mostly inland floodingWinchendon: Moderate, mostly inland floodingFitzwilliam: Moderate, mostly inland flooding FitzwilliamTroyJaffreyRichmondRindge
Very lowLowModerateHighVery high
Troymostly inland floodingHigh
Jaffreymostly inland floodingModerate
Fitzwilliammostly inland floodingModerate
Richmondmostly inland floodingModerate
Rindgemostly 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. Fitzwilliam covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Fitzwilliam’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Fitzwilliam. 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 Fitzwilliam total about $803K 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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