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Milan First United Methodist Church 5Photo: AlexiusHoratius · CC BY-SA 3.0
DHazard risk
Natural hazards in Milan · FEMA

FEMA expects more hazard damage per building in Milan than in 88% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Milan gets a D for hazard risk: higher expected damage per building than 88% of U.S. towns. Most of that expected damage is river and rain flooding (93%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 93%Hurricanes 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 88%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
D
in New Hampshire · higher than 88% of U.S. towns
Main hazard
River and rain flooding
93% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
6
of 22 declared for Coos County
By hazard

What Milan 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

93%of expected building damage
Well above average · in the top 6% of U.S. census tracts
Recorded about 2 times a year in the area

Hurricanes

5%of expected building damage
Well above average · higher than 82% of U.S. census tracts
Recorded about once every 19 years in the area
Smaller shares here
 Earthquakes Winter storms Ice storms Tornadoes Strong wind Landslides top 3% Lightning Hail Wildfire Cold waves Heat waves
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts avalanches at 73% of Milan’s expected losses. Avalanches do little damage to buildings (0.0%), so they aren’t part of the grade.

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 Milan’s grade

River and rain flooding is 93% of the building damage FEMA expects in Milan, and Milan’s rate of river and rain flooding damage is in the top 6% of U.S. census tracts. Next is hurricanes at 5% (higher than 82% of U.S. census tracts).

Where Milan sits
Milan
Least damageMiddleMost damage

D higher expected damage per building than 88% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding93%Hurricanes5%Everything else2%

In dollars, FEMA expects about $4.2M a year in losses across Milan: $872K to buildings, the rest to people and crops.

Shared tract.All of Milan’s 1,358 residents (2020 census) live in one census tract, which it shares with Dummer town (306 residents) and Errol town (298 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. 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 Milan flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Milan. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Coos County.
Disasters

6 federal disasters brought FEMA money to Milan

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

  1. 2023Severe Storm and Flooding$50K to the Town of Milan for repairs
  2. 2022Severe Storm and Flooding$15K to the Town of Milan for repairs
  3. 2017Severe Storm and Flooding$10K to the Town of Milan for repairs
  4. 2011Severe Storms and Flooding$14K to the Town of Milan for repairs
  5. 2007Severe Storms and Flooding$24K to the Town of Milan for repairs
  6. 2001Snow$2K to the Town of Milan for repairs
Disasters declared, by decade
Paid out in MilanCoos County only

Coos County has had 22 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

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

Add to the Milan archive →
Next door

Milan and its neighbors

Milan is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Berlin: hazard risk CDummer: not gradedStark: not gradedBerlinDummerStarkMilan
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
BerlinCmore damage than 75%river and rain flooding2
MilanDmore damage than 88%river and rain flooding0
Dummer—299 residents; we grade 1,000+
Stark—419 residents; we grade 1,000+

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 Milan 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 ↗
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 Milan

Is Milan at risk for natural disasters?

On FEMA’s National Risk Index, Milan has higher expected damage per building than 88% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (93%) and hurricanes (5%). 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 Milan 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 Coos County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.

How much is flood insurance in Milan?

FEMA’s Community Rating System list shows no discount for Milan’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 Milan?

By FEMA money that reached Milan, Severe Storm and Flooding (2023): $50K to the Town of Milan for repairs.

Is Milan at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (93%), and Milan’s rate for it is in the top 6% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Milan.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Milan’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.