Property Atlas

County hazard profile

Merrimack, NH

New Hampshire · pop. 153,727 · FIPS 33013

Relatively Low
FEMA risk rating · RATING
Ice Storm
dominant hazard
$49M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Merrimack $49M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Low 78.21/100
national median ~50 higher than 78% of counties
Social vulnerabilityVery Low 14.95/100
national median ~50 among the lowest nationally
Community resilienceVery High 80.76/100
national median ~50 higher than 81% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Merrimack

The National Flood Insurance Program has paid 299 flood-insurance claims totaling $6.3M in Merrimack since 1978. The costliest year was 2007 ($2.4M paid).

Flood-insurance dollars paid by year of loss

1978: $2,929 paid 1979: $3,904 paid 1980: $0 paid 1981: $3,314 paid 1982: $0 paid 1983: $2,938 paid 1984: $3,880 paid 1986: $468 paid 1987: $53,178 paid 1988: $0 paid 1992: $26,100 paid 1995: $0 paid 1996: $20,206 paid 1998: $24,986 paid 1999: $0 paid 2001: $0 paid 2003: $37,726 paid 2004: $5,736 paid 2005: $187,749 paid 2006: $2,369,624 paid 2007: $2,395,369 paid 2008: $594,705 paid 2009: $0 paid 2010: $420,573 paid 2011: $40,112 paid 2013: $10,471 paid 2014: $0 paid 2015: $21,781 paid 2016: $0 paid 2017: $6,520 paid 2018: $58,027 paid 2021: $37,885 paid 2022: $0 paid 2023: $4,610 paid 2007 · $2.4M 1978 2023
$6.3M
total paid
$21,180
average claim
$500K
largest single claim
59%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Merrimack, NH and where it ranks among U.S. counties. It is not a verdict on whether Merrimack is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.