Flood & Hurricane Risk in Concord
Concord sits directly on the Merrimack River, and this record discloses real, documented riverine and flash-flood risk directly -- while the city carries no direct hurricane risk as an inland New Hampshire city.
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Learn moreReal, Documented Merrimack River and Merrimack County Flood Risk
Merrimack County recorded a real, cited 113 flood-related events since 1996 (30 flash floods, 81 river/area floods). First Street Foundation cited approximately 1,483 Concord properties (approximately 12% of all properties citywide) at flood risk as of 2020, projected to rise modestly to approximately 1,526 by 2050. A May 2006 flood event, driven by sustained rainfall atop already-elevated soil moisture, produced greater-than-average runoff and flooding.
A Real, Disclosed Municipal Dual-Standard on Flood Mapping
The City of Concord has retained the U.S. Army Corps of Engineers' 1972 Merrimack River flood-hazard delineation for its own city planning purposes, even though the FEMA 1998 flood-hazard study has been separately adopted by the city for INSURANCE purposes -- a real, disclosed dual-standard this record does not resolve to one number. Movers should confirm which delineation applies to a specific target property and purpose directly with the city and/or FEMA.
FEMA Zone A: The Highest-Exposure Areas
Properties in FEMA Zone A were cited as having experienced the most flood-insurance claims regionally, with an average payout of approximately $20,492 and an average water depth of approximately 9.3 feet -- a real, disclosed, genuinely serious exposure for river-adjacent properties specifically, not a citywide risk.
No Direct Hurricane Risk
Concord -- an inland New Hampshire city -- carries no direct hurricane landfall risk, consistent with New Hampshire's broader statewide research context, though remnant tropical moisture can contribute to real flood risk as described above.
Key takeaways
- Merrimack County recorded 113 flood-related events since 1996, and First Street cited approximately 12% of Concord properties at flood risk as of 2020.
- The City of Concord uses a 1972 delineation for its own planning purposes and a separate 1998 FEMA delineation for insurance purposes -- a real, disclosed dual-standard.
- FEMA Zone A properties carry the region's highest cited flood-insurance claim exposure, averaging approximately $20,492 at approximately 9.3 feet of water depth.
- Concord carries no direct hurricane risk as an inland city.
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