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Main Street looking East, Fremont, NHPhoto: Unknown authorUnknown author · Public domain
B−Hazard risk
Natural hazards in Fremont · FEMA

FEMA expects about as much hazard damage per building in Fremont as in the typical U.S. town, mostly from river and rain flooding

On FEMA’s National Risk Index, Fremont gets a B− for hazard risk: higher expected damage per building than 53% of U.S. towns, #52 of 126 in New Hampshire. Most of that expected damage is river and rain flooding (86%). Flood insurance has paid 40 claims here since 1996.

River and rain flooding 86%Hurricanes 6%Earthquakes 5%

Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded

more than 53%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#52 of 126 in New Hampshire
Hazard risk
B−#52 of 126
in New Hampshire · higher than 53% of U.S. towns
Main hazard
River and rain flooding
86% of expected building damage
Flood claims
40
paid since 1996 · $1.1M
Flooded more than once
7
properties · 1 “severe repetitive loss”
Disasters paid out here
14
of 29 declared for Rockingham County
By hazard

What Fremont faces

Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.

River and rain flooding

86%of expected building damage
Above average · higher than 71% of U.S. census tracts
Recorded about once a year in the area

Hurricanes

6%of expected building damage
Above average · higher than 72% of U.S. census tracts
Recorded about once every 8 years in the area

Earthquakes

5%of expected building damage
Above average · higher than 67% of U.S. census tracts
Smaller shares here
 Ice storms Tornadoes Strong wind Wildfire Lightning Hail Winter storms Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Fremont’s grade

River and rain flooding is 86% of the building damage FEMA expects in Fremont, and Fremont’s rate of river and rain flooding damage is higher than 71% of U.S. census tracts. Ice storms add 2%, at a rate in the top 8% of U.S. census tracts.

Where Fremont sits
Fremont
Least damageMiddleMost damage

B− #52 of 126 in New Hampshire; higher expected damage per building than 53% of U.S. towns (21,298).

All of Fremont’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding86%Hurricanes6%Earthquakes5%Everything else4%

The typical New Hampshire town has higher expected damage than 58% of U.S. towns; within the state, Fremont has less expected damage per building than 59% of New Hampshire towns.

In dollars, FEMA expects about $960K a year in losses across Fremont: $794K to buildings, the rest to people and crops.

Shared tract.All of Fremont’s 4,739 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Fremont flood? Sometimes: 40 flood claims since 1996

Every paid claim on a federal flood insurance policy in Fremont, from FEMA’s records: 22.7 per 1,000 homes, more than 85% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1996: 9 claims1997: 0 claims1998: 1 claim1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 2 claims2005: 0 claims2006: 14 claims2007: 9 claims2008: 1 claim2009: 0 claims2010: 3 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 1 claim2025: 0 claims2026: 0 claims199620062007
19962026
Biggest named events
  • The March 2010 nor’easter2 claims · $3K
40
paid claims since 1996
$1.1M
paid to owners
7
homes flooded more than once
$28K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (1)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

Fremont isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Rockingham County.
Disasters

14 federal disasters brought FEMA money to Fremont

Disasters that paid out in Fremont itself (aid to households or repair grants to the Town of Fremont), newest first, with that year’s flood claims.

  1. 2024Severe Winter Storm and Flooding$16K to the Town of Fremont for repairs1 flood claim paid that year
  2. 2018Severe Winter Storm and Snowstorm$17K to the Town of Fremont for repairs
  3. 2015Severe Winter Storm and Snowstorm$18K to the Town of Fremont for repairs
  4. 2013Severe Winter Storm and Snowstorm$18K to the Town of Fremont for repairs
  5. 2011Severe Storm and Snowstorm$14K to the Town of Fremont for repairs
  6. 2010Severe Storms and Flooding$7K to the Town of Fremont for repairs
Show all 14
  1. 2010Severe Winter Storm$18K to the Town of Fremont for repairs
  2. 2008Severe Winter Storm$28K to the Town of Fremont for repairs1 flood claim paid that year
  3. 2007Severe Storms and Flooding8 households applied for aid$25K aid approved$21K to the Town of Fremont for repairs9 flood claims paid that year
  4. 2006Severe Storms and Flooding58 households applied for aid$117K aid approved$44K to the Town of Fremont for repairs14 flood claims paid that year
  5. 2005Record Snow$5K to the Town of Fremont for repairs
  6. 2005Record And/or Near Record Snow$9K to the Town of Fremont for repairs
  7. 2003Snow$7K to the Town of Fremont for repairs
  8. 2001Snow$11K to the Town of Fremont for repairs
Disasters declared, by decade
Paid out in FremontRockingham County only

Rockingham County has had 29 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

Old photos of Fremont after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Fremont archive →
Next door

Fremont and its neighbors

Fremont is 3rd of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Raymond: hazard risk CBrentwood: hazard risk BDanville: hazard risk A−RaymondBrentwoodDanvilleFremont
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
DanvilleA−less damage than 78%river and rain flooding1
BrentwoodBless damage than 65%river and rain flooding9
FremontB−more damage than 53%river and rain flooding40
RaymondCmore damage than 72%river and rain flooding73

Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.

Be ready

Get ready for what Fremont faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • Turn around at flooded roads: a foot of moving water can carry off a car.
  • Flood insurance usually takes 30 days to start, so buy it before the forecast.
  • Keep papers and medicines up high, in a grab-and-go bag.
More from Ready.gov ↗
Hurricane season
  • The season runs June through November and peaks from mid-August to mid-October.
  • Bring in porch furniture and anything the wind can throw.
  • Fill the gas tank and charge phones before the storm arrives.
More from Ready.gov ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
More from Ready.gov ↗
Before you buy or rent
  • Look up the address on FEMA’s flood map.
  • Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
  • Get a flood insurance quote early: policies usually start 30 days after you buy.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Fremont

Is Fremont at risk for natural disasters?

On FEMA’s National Risk Index, Fremont has higher expected damage per building than 53% of U.S. towns: B− for hazard risk, #52 of 126 in New Hampshire. Most of the expected damage is river and rain flooding (86%) and hurricanes (6%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Fremont flood?

Flood insurance has paid 40 claims in Fremont since 1996, $1.1M in all, or 22.7 per 1,000 homes, more than 85% of U.S. towns with a flood insurance record. 7 properties have flooded more than once. The most claims came from March 2010 Nor'easter (2).

Is Fremont in a flood zone?

Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Rockingham County, 37% of homes in mapped flood zones carry federal flood insurance, and 2.2% of all homes do.

How much is flood insurance in Fremont?

FEMA’s Community Rating System list shows no discount for Fremont’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Fremont?

By FEMA money that reached Fremont, Severe Storms and Flooding (2006): 58 households applied for aid, $117K approved, and $44K to the Town of Fremont for repairs. By flood claims, March 2010 Nor'easter: 2 paid, $3K.

Is Fremont at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (86%), and Fremont’s rate for it is higher than 71% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Fremont.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Fremont’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.