Flood insurance claims in Carroll County, New Hampshire

FEMA records 290 National Flood Insurance Program claims in Carroll County, New Hampshire, since 1978, with $2.8 million paid in total. The year with the most claims was 1998, with 44. As of 3 August 2026, 0.9% of homes here had an NFIP policy, and 10.6% of homes in the high-risk flood zone did.

NFIP claims on record290

Total paid$2.8 million

Claims with a payment209

Homes with NFIP policy0.9%

High-risk zone homes insured10.6%

Residential policies in force272

Claims by year of loss

NFIP claims by year of loss, Carroll County, New Hampshire

Paid on claims by year of loss (building, contents and increased cost of compliance), Carroll County, New Hampshire

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	40
Hurricane Irene	38
December Nor'easter	25
March 2010 Nor'easter	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
03818	56
03814	51
03890	47
03812	34
03864	27
03860	15
03838	13
03813	6
03254	5
03883	5

171 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.5 million, contents $239,790, increased cost of compliance $35,183.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	1,608	171	10.6%
All homes	30,923	272	0.9%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.