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Natural hazards · Merrimack

Merrimack, NH natural hazards

Most of the natural-hazard damage FEMA expects in Merrimack comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 51 claims here since 1979. 13 federal disasters brought FEMA money into town.

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

How exposed is Merrimack?

59
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Merrimack to be higher than in 59% of U.S. communities, mostly from inland flooding.

Inland flooding68%Hurricanes14%Everything else18%
By hazard

What Merrimack faces

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

Inland flooding

68% of expected damage
Above average · higher than 74% of U.S. places
Recorded about 2 times a year in the area

Hurricanes

14% of expected damage
Well above average · higher than 84% 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 Merrimack flood?

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

51paid claims since 1979
$1.4Mpaid to owners
9homes flooded more than once
19792026

Biggest named events

  • March 2010 Nor'easter: 5 claims, $26K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (3) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Merrimack isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hillsborough County.

What’s been done with FEMA grants

24flood-prone properties bought out and cleared
Disasters that hit Merrimack

13 federal disasters brought FEMA money here

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

Brought FEMA money into MerrimackDeclared for Hillsborough County only
2015

Severe Winter Storm and Snowstorm

$34K to the Town of Merrimack for repairs
2013

Severe Winter Storm and Snowstorm

$58K to the Town of Merrimack for repairs
2012

Hurricane Sandy

$20K to the Town of Merrimack for repairs
2011

Severe Storm and Snowstorm

$160K to the Town of Merrimack for repairs
2011

Hurricane Irene

$16K to the Town of Merrimack for repairs
2010

Severe Storms and Flooding

$117K to the Town of Merrimack for repairs
2010

Severe Winter Storm

$127K to the Town of Merrimack for repairs
2008

Severe Winter Storm

$120K to the Town of Merrimack for repairs
2007

Severe Storms and Flooding

49 households applied for aid $89K aid approved $128K to the Town of Merrimack for repairs
2006

Severe Storms and Flooding

177 households applied for aid $334K aid approved $673K to the Town of Merrimack for repairs
2005

Severe Storms and Flooding

4 households applied for aid $1K aid approved $4K to the Town of Merrimack for repairs
2005

Record Snow

$39K to the Town of Merrimack for repairs
2005

Record And/Or Near Record Snow

$38K to the Town of Merrimack for repairs
Hillsborough County has had 26 natural disasters declared since 1953, most often severe storms and winter storms.
Around Merrimack

Merrimack and the towns around it

Nashua: Moderate, mostly inland floodingLitchfield: Moderate, mostly inland floodingAmherst: Moderate, mostly inland floodingBedford: Low, mostly inland floodingManchester: Moderate, mostly inland floodingHollis: Moderate, mostly inland floodingHudson: Moderate, mostly inland floodingDunstable: Very low, mostly inland floodingMilford: Moderate, mostly inland floodingMont Vernon: Very low, mostly inland floodingGoffstown: Moderate, mostly inland floodingNew Boston: High, mostly inland floodingHooksett: Low, mostly inland floodingLondonderry: Low, mostly inland floodingAuburn: Low, mostly inland floodingBrookline: Moderate, mostly inland floodingPepperell: Low, mostly inland floodingMerrimack: Moderate, mostly inland flooding MerrimackNashuaLitchfieldAmherstBedfordManchesterHollis
Very lowLowModerateHighVery high
Merrimackmostly inland floodingModerate
Manchestermostly inland floodingModerate
Nashuamostly inland floodingModerate
Litchfieldmostly inland floodingModerate
Amherstmostly inland floodingModerate
Hollismostly inland floodingModerate
Bedfordmostly 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. Merrimack covers 6 census tracts, combined by population.
Money that reached townFlood claims are matched to Merrimack’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Merrimack. 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 Merrimack total about $8.9M 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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