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New Hampshire · Risk Readiness
What's actually likely where you live.
Before the emergency — maps, tools, and the honest picture of what New Hampshire throws at different parts of the state.
See NH hazardsNH hazard profile
Primary hazards. Ranked.
The December 2008 ice storm was New Hampshire's worst modern disaster — it knocked out power to 400,000 customers (nearly half the state) for up to three weeks during subfreezing temperatures. Ice accumulation on trees and lines in the heavily forested state causes catastrophic infrastructure damage. Major nor'easters dump 24-36 inches in 24 hours across the state multiple times per winter. The White Mountains regularly receive 200+ inches annually. The Merrimack, Connecticut, Saco, and Androscoggin rivers flood regularly in spring snowmelt and after tropical remnants. The May 2006 flood caused $100M+ in damage across central and southern NH. Flooding in mountain valleys can be sudden and catastrophic — the Pemigewasset and Swift rivers rise in hours after heavy rain on saturated soils. New Hampshire regularly records some of the coldest temperatures in the lower 48. The White Mountains and North Country face wind chills below -50°F every winter. Berlin, Colebrook, and other North Country communities deal with extreme isolation during cold events. Even southern NH regularly sees temperatures of -20°F or colder in January and February.
Severe thunderstorms
Damaging winds, hail, and lightning — the most frequent hazard in most US states.
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Flooding
Flash floods, river flooding, and coastal surge affect low-lying areas and river corridors.
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Winter ice & snow storms
Ice accumulation causes prolonged power outages and road closures across the state.
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Wildfire
Dry conditions, wind, and vegetation combine to create serious wildfire risk, particularly in dry seasons.
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Official tools
Look up your address. Know your risk.
FEMA Flood Zone Lookup
Enter your address to see your flood zone designation and insurance requirements.
Source: FEMA
USGS Earthquake Map
Real-time earthquake activity and seismic hazard maps for your region.
Source: USGS
Wildfire Risk Score
Your property's wildfire exposure score based on vegetation, terrain, and proximity to wildland.
Source: USFS
River Gauges
Real-time river levels and flood stage by county.
Source: USGS WaterWatch
Drought Monitor
Weekly drought conditions by county.
Source: US Drought Monitor
Private Well Resources
Water quality guidance for households on private wells.
Source: EPA
Insurance gaps
What your homeowner's policy doesn't cover.
Standard homeowner's policies in New Hampshire exclude flood damage. Flood insurance through the NFIP has a 30-day waiting period — it cannot be purchased when a storm is forecast. Check your declarations page annually to confirm your coverage limits and deductibles.
Not in your standard policy
Flood damage — requires NFIP or private flood policy
Earthquake damage — requires separate endorsement
Sewer & drain backup — requires endorsement ($50–$100/yr)
Landslide / mudflow — generally excluded
Next steps
Where do you want to go next?
During an emergency
Find alerts, contacts, and shelters.
NC emergency contacts, alert signups, and real-time information.
Local EmergencyGet prepared
Run through the NH checklist.
Step-by-step actions based on the hazards that apply to New Hampshire.
NH Checklists