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Natural hazards · Stoddard

Stoddard, NH natural hazards

Most of the natural-hazard damage FEMA expects in Stoddard comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2023. 4 federal disasters brought FEMA money into town.

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

How exposed is Stoddard?

61
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stoddard to be higher than in 61% of U.S. communities, mostly from inland flooding.

Inland flooding72%Hurricanes7%Cold waves5%Everything else16%
By hazard

What Stoddard 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 80% of U.S. places
Recorded about once a year in the area

Hurricanes

7% of expected damage
Well above average · higher than 81% of U.S. places
Recorded about once every 11 years in the area

Cold waves

5% of expected damage
Below average · higher than 35% of U.S. places
Recorded about 2 times a year in the area

Lower here

TornadoesHailIce 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 Stoddard flood?

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

1paid claims since 2023
$64Kpaid to owners
0homes flooded more than once
20232026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Stoddard 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 Stoddard

4 federal disasters brought FEMA money here

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

Brought FEMA money into StoddardDeclared for Cheshire County only
2023

Severe Storms and Flooding

$60K to the Town of Stoddard for repairs
2012

Severe Storm and Flooding

$28K to the Town of Stoddard for repairs
2008

Severe Winter Storm

$31K to the Town of Stoddard for repairs
2005

Severe Storms and Flooding

8 households applied for aid $11K aid approved $40K to the Town of Stoddard for repairs
Cheshire County has had 27 natural disasters declared since 1953, most often floods and severe storms.
Around Stoddard

Stoddard and the towns around it

Nelson: High, mostly inland floodingWindsor: High, mostly inland floodingSullivan: High, mostly inland floodingAntrim: Moderate, mostly inland floodingWashington: High, mostly inland floodingHarrisville: Low, mostly inland floodingRoxbury: High, mostly inland floodingHillsborough: High, mostly inland floodingGilsum: High, mostly inland floodingKeene: High, mostly inland floodingDeering: High, mostly inland floodingBennington: High, mostly inland floodingHancock: Moderate, mostly inland floodingBradford: High, mostly inland floodingLempster: High, mostly inland floodingMarlow: High, mostly inland floodingGoshen: High, mostly inland floodingStoddard: High, mostly inland flooding StoddardNelsonWindsorSullivanAntrimWashington
Very lowLowModerateHighVery high
Windsormostly inland floodingHigh
Stoddardmostly inland floodingHigh
Nelsonmostly inland floodingHigh
Sullivanmostly inland floodingHigh
Washingtonmostly inland floodingHigh
Antrimmostly 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. Stoddard covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Stoddard’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Stoddard. 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 Stoddard total about $916K 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 Stoddard, NHCheshire 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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