Why Coastal Risk Is Increasing in New Hampshire
Rising sea levels, stronger nor'easters, and more frequent tidal flooding have increased risk along the coast. Communities such as Hampton, Rye, and Portsmouth experience repeated high-tide flooding and wave damage. Erosion and saltwater intrusion affect infrastructure and foundations, raising the importance of mitigation.
How Coastal Risk Affects Homeowners Insurance
Standard homeowners policies exclude flood damage, which must be insured separately through the National Flood Insurance Program or private flood carriers. In coastal ZIP codes, insurers may apply hurricane or wind deductibles. Underwriters consider elevation, distance from open water, and building materials when determining eligibility.
What to Do if Your Policy Is Not Renewed
Request the reason in writing. Address correctable issues such as roof age, drainage, or lack of storm protection, and keep detailed documentation. If standard carriers are unavailable, an insurance specialist familiar with coastal properties can help find options through private or surplus markets. Maintaining continuous coverage avoids future cost increases or coverage gaps.
How to Strengthen a Home Against Coastal Hazards
- Install a wind-rated roof with hurricane straps or clips.
- Use impact-resistant windows or shutters.
- Elevate living areas and utilities above base flood elevation.
- Replace siding with wind- and moisture-resistant materials.
- Seal vents and exterior openings to prevent water intrusion.
- Anchor decks and exterior structures to resist uplift.
- Maintain gutters and grading to direct water away from the foundation.
Community Preparedness and Prevention
New Hampshire towns enforce floodplain regulations and maintain evacuation plans. Homeowners should register for emergency alerts, review routes annually, and prepare emergency kits with essential documents. Cooperative drainage and shoreline projects help communities recover faster after coastal storms.
Staying Protected in a Changing Environment
Coastal living in New Hampshire offers natural beauty and opportunity but requires preparation. Through mitigation, maintenance, and continuous insurance coverage, homeowners can remain resilient and safeguard their homes against changing coastal conditions.