Photo: Naturebunny1 · Public domainOn FEMA’s figures, Lyndeborough faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Lyndeborough gets a B− for hazard risk: higher expected damage per building than 50% of U.S. towns. Most of that expected damage is river and rain flooding (78%), then hurricanes (14%). FEMA’s files show no paid flood insurance claims here.
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
What Lyndeborough 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
Hurricanes
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.
What’s behind Lyndeborough’s grade
River and rain flooding is 78% of the building damage FEMA expects in Lyndeborough, and Lyndeborough’s rate of river and rain flooding damage is higher than 64% of U.S. census tracts. Ice storms add 2%, at a rate in the top 9% of U.S. census tracts.
B− higher expected damage per building than 50% of U.S. towns (21,298).
All of Lyndeborough’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $459K a year in losses across Lyndeborough: $398K to buildings, the rest to people and crops.
Does Lyndeborough flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Lyndeborough. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Lyndeborough isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hillsborough County.18 federal disasters brought FEMA money to Lyndeborough
Disasters that paid out in Lyndeborough itself (aid to households or repair grants to the Town of Lyndeborough), newest first, with that year’s flood claims.
- 2020Tropical Storm Isaias$92K to the Town of Lyndeborough for repairs
- 2015Severe Winter Storm and Snowstorm$10K to the Town of Lyndeborough for repairs
- 2013Severe Winter Storm and Snowstorm$8K to the Town of Lyndeborough for repairs
- 2012Hurricane Sandy$2K to the Town of Lyndeborough for repairs
- 2012Hurricane Sandy$42K to the Town of Lyndeborough for repairs
- 2012Severe Storms and Straight-line Winds$14K to the Town of Lyndeborough for repairs
Show all 18
- 2011Severe Storm and Snowstorm$7K to the Town of Lyndeborough for repairs
- 2011Hurricane Irene$15K to the Town of Lyndeborough for repairs
- 2010Severe Winter Storm and Snowstorm$12K to the Town of Lyndeborough for repairs
- 2010Severe Storms and Flooding$32K to the Town of Lyndeborough for repairs
- 2010Severe Winter Storm$1K to the Town of Lyndeborough for repairs
- 2010Severe Winter Storm and Snowstorm$12K to the Town of Lyndeborough for repairs
- 2009Snowstorm$18K to the Town of Lyndeborough for repairs
- 2008Severe Winter Storm$74K to the Town of Lyndeborough for repairs
- 2007Severe Storms and Flooding6 households applied for aid$3K aid approved$123K to the Town of Lyndeborough for repairs
- 2006Severe Storms and Flooding$24K to the Town of Lyndeborough for repairs
- 2005Record Snow$4K to the Town of Lyndeborough for repairs
- 2005Record And/or Near Record Snow$10K to the Town of Lyndeborough for repairs
Hillsborough County has had 26 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.
Old photos of Lyndeborough after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lyndeborough archive →Lyndeborough and its neighbors
Lyndeborough is 4th of the 6 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Mont Vernon | Aless damage than 88% | river and rain flooding | — |
| Greenfield | B+less damage than 74% | river and rain flooding | 1 |
| Temple | Bless damage than 59% | river and rain flooding | — |
| Lyndeborough | B−more damage than 50% | river and rain flooding | 0 |
| Milford | C+more damage than 62% | river and rain flooding | 7 |
| Wilton | C−more damage than 83% | river and rain flooding | 5 |
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.
Get ready for what Lyndeborough faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Lyndeborough
Is Lyndeborough at risk for natural disasters?
On FEMA’s National Risk Index, Lyndeborough has higher expected damage per building than 50% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (78%) and hurricanes (14%). 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.
Is Lyndeborough 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 Hillsborough County, 34% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Lyndeborough?
FEMA’s Community Rating System list shows no discount for Lyndeborough’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 Lyndeborough?
By FEMA money that reached Lyndeborough, Severe Storms and Flooding (2007): 6 households applied for aid, $3K approved, and $123K to the Town of Lyndeborough for repairs.
Is Lyndeborough at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (78%), and Lyndeborough’s rate for it is higher than 64% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lyndeborough.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lyndeborough’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.