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Natural hazards · Stratford

Stratford, NH natural hazards

Most of the natural-hazard damage FEMA expects in Stratford comes from avalanches, and overall the risk is very high for a U.S. community. Flood insurance has paid 13 claims here since 1979. 5 federal disasters brought FEMA money into town.

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

How exposed is Stratford?

90
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stratford 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 Stratford 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 Stratford flood?

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

13paid claims since 1979
$58Kpaid to owners
0homes flooded more than once
19792026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Stratford 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 Stratford

5 federal disasters brought FEMA money here

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

Brought FEMA money into StratfordDeclared for Coos County only
2024

Severe Storm and Flooding

$53K to the Town of Stratford for repairs
2023

Severe Storms and Flooding

$13K to the Town of Stratford for repairs
2011

Severe Storms and Flooding

$28K to the Town of Stratford for repairs
2008

Severe Storms and Flooding

$9K to the Town of Stratford for repairs
2007

Severe Storms and Flooding

$17K to the Town of Stratford for repairs
Coos County has had 21 natural disasters declared since 1953, most often severe storms and floods.
Around Stratford

Stratford and the towns around it

Brunswick: High, mostly inland floodingMaidstone: High, mostly inland floodingBloomfield: High, mostly inland floodingColumbia: Very high, mostly avalanchesNorthumberland: Very high, mostly avalanchesStark: Very high, mostly avalanchesGuildhall: Moderate, mostly inland floodingGranby: Moderate, mostly inland floodingLemington: High, mostly inland floodingColebrook: Very high, mostly avalanchesLancaster: Very high, mostly avalanchesDummer: Very high, mostly avalanchesMilan: Very high, mostly avalanchesStratford: Very high, mostly avalanches StratfordBrunswickMaidstoneBloomfieldColumbiaNorthumberlandStark
Very lowLowModerateHighVery high
Stratfordmostly avalanchesVery high
Northumberlandmostly avalanchesVery high
Starkmostly avalanchesVery high
Columbiamostly avalanchesVery high
Brunswickmostly inland floodingHigh
Maidstonemostly inland floodingHigh
Bloomfieldmostly inland floodingHigh
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. Stratford covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Stratford’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Stratford. 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 Stratford total about $7.1M 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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