TownTapestry
Sign inJoin
NorthumberlandGood morning
Natural hazards · Northumberland

Northumberland, NH natural hazards

Most of the natural-hazard damage FEMA expects in Northumberland comes from avalanches, and overall the risk is very high for a U.S. community. Flood insurance has paid 12 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 Northumberland?

90
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Northumberland to be higher than in 90% of U.S. communities, mostly from avalanches and inland flooding.

Avalanches64%Inland flooding26%Cold waves7%Everything else3%
By hazard

What Northumberland faces

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

Avalanches

64% of expected damage
Well below average · higher than 0% of U.S. places
Recorded about once every 4 years in the area

Inland flooding

26% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about 2 times a year in the area

Cold waves

7% of expected damage
Below average · higher than 41% of U.S. places
Recorded about 7 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Northumberland flood?

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

12paid claims since 1998
$78Kpaid to owners
2homes 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. Northumberland isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Coos County.
Disasters that hit Northumberland

8 federal disasters brought FEMA money here

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

Brought FEMA money into NorthumberlandDeclared for Coos County only
2024

Severe Storm and Flooding

$37K to the Town of Northumberland for repairs
2012

Hurricane Sandy

$9K to the Town of Northumberland for repairs
2011

Severe Storms and Flooding

$48K to the Town of Northumberland for repairs
2008

Severe Storms and Flooding

$15K to the Town of Northumberland for repairs
2007

Severe Storms and Flooding

$22K to the Town of Northumberland for repairs
2005

Record Snow

$5K to the Town of Northumberland for repairs
2003

Snow

$8K to the Town of Northumberland for repairs
2001

Snow

$3K to the Town of Northumberland for repairs
Coos County has had 21 natural disasters declared since 1953, most often severe storms and floods.
Around Northumberland

Northumberland and the towns around it

Maidstone: High, mostly inland floodingGuildhall: Moderate, mostly inland floodingStark: Very high, mostly avalanchesLancaster: Very high, mostly avalanchesStratford: Very high, mostly avalanchesBrunswick: High, mostly inland floodingGranby: Moderate, mostly inland floodingLunenburg: Moderate, mostly inland floodingDummer: Very high, mostly avalanchesMilan: Very high, mostly avalanchesJefferson: High, mostly avalanchesDalton: High, mostly avalanchesBloomfield: High, mostly inland floodingColumbia: Very high, mostly avalanchesNorthumberland: Very high, mostly avalanches NorthumberlandMaidstoneGuildhallStarkLancasterStratford
Very lowLowModerateHighVery high
Northumberlandmostly avalanchesVery high
Starkmostly avalanchesVery high
Stratfordmostly avalanchesVery high
Lancastermostly avalanchesVery high
Maidstonemostly inland floodingHigh
Guildhallmostly 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. Northumberland is smaller than a census tract, so it shares the figures of the tract around its center.
Money that reached townFlood claims are matched to Northumberland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Northumberland. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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 coffee’s on

Where to, neighbor?

You’re in Northumberland, NHCoos CountyView boundary

Nearby

All towns & citiesExplore the map

Local begins with a boundary.

See what belongs to your selected town.

Loading boundary…

Northumberland is your selected town. The feed includes posts assigned to this town, not a distance radius or ZIP code.

Neighborhoods narrow the feed further, while townwide announcements, events, and issues remain visible.

Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
Open detailed map