Damages caused by natural flooding are not included in homeowners and renters insurance. For this specific coverage, you’ll need to purchase a separate flood insurance policy.
The cost of your flood insurance in New Hampshire is based on factors such as your home’s location, rebuilding expenses and construction materials. Insurance providers also consider your area’s flood risk.
Check a local flood map to see if your home is located in a moderate-risk or high-risk flood zone. Regardless of how flood-prone your area might be, flood insurance can protect against significant expenses caused by flood damage. Just an inch of water can cost you up to $25,000, as reported by the Federal Emergency Management Agency (FEMA).