What's actually likely where you live.

NH 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.

Insurance gaps

What your homeowner's policy doesn't cover.