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Natural hazards · Freedom

Freedom, NH natural hazards

Most of the natural-hazard damage FEMA expects in Freedom comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 6 claims here since 1998. 8 federal disasters brought FEMA money into town.

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

How exposed is Freedom?

67
High
vs. U.S. communities

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

Inland flooding72%Hurricanes17%Everything else11%
By hazard

What Freedom faces

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

Inland flooding

72% of expected damage
Well above average · higher than 79% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

17% 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 Freedom flood?

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

6paid claims since 1998
$42Kpaid to owners
1homes flooded more than once
19982026

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. Freedom 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 Freedom

8 federal disasters brought FEMA money here

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

Brought FEMA money into FreedomDeclared for Carroll County only
2024

Severe Winter Storm and Flooding

$173K to the Town of Freedom for repairs
2022

Severe Storm and Flooding

$188K to the Town of Freedom for repairs
2013

Severe Winter Storm and Snowstorm

$22K to the Town of Freedom for repairs
2008

Severe Storms and Flooding

$136K to the Town of Freedom for repairs
2007

Severe Storms and Flooding

$321K to the Town of Freedom for repairs
2006

Severe Storms and Flooding

1 household applied for aid $201 aid approved
2005

Record Snow

$26K to the Town of Freedom for repairs
2005

Record And/Or Near Record Snow

$6K to the Town of Freedom for repairs
Carroll County has had 27 natural disasters declared since 1953, most often severe storms and winter storms.
Around Freedom

Freedom and the towns around it

Ossipee: High, mostly inland floodingEffingham: 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 floodingWakefield: High, mostly inland floodingParsonsfield: Moderate, mostly inland floodingConway: High, mostly inland floodingBrownfield: Moderate, mostly inland floodingAlbany: High, mostly inland floodingHiram: Moderate, mostly inland floodingFreedom: High, mostly inland flooding FreedomOssipeeEffinghamEatonMadisonPorter
Very lowLowModerateHighVery high
Effinghammostly inland floodingHigh
Ossipeemostly inland floodingHigh
Freedommostly inland floodingHigh
Eatonmostly inland floodingHigh
Madisonmostly inland floodingHigh
Portermostly 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. Freedom covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Freedom’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Freedom. 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 Freedom total about $1.6M 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.

The door’s open

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You’re in Freedom, 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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