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Natural hazards · Franklin

Franklin, NH natural hazards

Most of the natural-hazard damage FEMA expects in Franklin comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 6 claims here since 2003. 9 federal disasters brought FEMA money into town.

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

How exposed is Franklin?

67
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Franklin to be higher than in 67% of U.S. communities, mostly from inland flooding.

Inland flooding78%Hurricanes5%Everything else16%
By hazard

What Franklin faces

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

Inland flooding

78% of expected damage
Well above average · higher than 85% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

5% of expected damage
Well above average · higher than 79% of U.S. places
Recorded about once every 16 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat 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 Franklin flood?

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

6paid claims since 2003
$102Kpaid to owners
0homes flooded more than once
20032026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Franklin 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 Franklin

9 federal disasters brought FEMA money here

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

Brought FEMA money into FranklinDeclared for Merrimack County only
2013

Severe Winter Storm and Snowstorm

$41K to the City of Franklin for repairs
2012

Hurricane Sandy

$2K to the City of Franklin for repairs
2010

Severe Winter Storm

$4K to the City of Franklin for repairs
2008

Severe Winter Storm

$19K to the City of Franklin for repairs
2007

Severe Storms and Flooding

3 households applied for aid $1K aid approved
2006

Severe Storms and Flooding

9 households applied for aid $3K aid approved $34K to the City of Franklin for repairs
2005

Severe Storms and Flooding

2 households applied for aid $2K aid approved $72K to the City of Franklin for repairs
2003

Snow

$18K to the City of Franklin for repairs
2001

Snow

$11K to the City of Franklin for repairs
Merrimack County has had 24 natural disasters declared since 1953, most often severe storms and floods.
Around Franklin

Franklin and the towns around it

Northfield: High, mostly inland floodingSanbornton: Moderate, mostly inland floodingSalisbury: High, mostly inland floodingTilton: Moderate, mostly inland floodingAndover: High, mostly inland floodingBoscawen: Moderate, mostly inland floodingCanterbury: Moderate, mostly inland floodingBelmont: High, mostly inland floodingHill: Very high, mostly inland floodingLaconia: Moderate, mostly inland floodingMeredith: Low, mostly inland floodingNew Hampton: Moderate, mostly inland floodingWarner: High, mostly inland floodingWebster: High, mostly inland floodingWilmot: Very high, mostly inland floodingConcord: Moderate, mostly inland floodingFranklin: High, mostly inland flooding FranklinNorthfieldSanborntonSalisburyTiltonAndoverBoscawen
Very lowLowModerateHighVery high
Northfieldmostly inland floodingHigh
Franklinmostly inland floodingHigh
Salisburymostly inland floodingHigh
Andovermostly inland floodingHigh
Tiltonmostly inland floodingModerate
Sanborntonmostly inland floodingModerate
Boscawenmostly 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. Franklin covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Franklin’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Franklin. 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 Franklin total about $3.0M 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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