Photo: Ken Gallager · CC BY-SA 3.0More hazard damage per building is expected in Raymond than in 72% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Raymond gets a C for hazard risk: higher expected damage per building than 72% of U.S. towns, #89 of 126 in New Hampshire. Most of that expected damage is river and rain flooding (89%). Flood insurance has paid 73 claims here since 1983.
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 Raymond 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
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 Raymond’s grade
River and rain flooding is 89% of the building damage FEMA expects in Raymond, and Raymond’s rate of river and rain flooding damage is higher than 84% of U.S. census tracts. Ice storms add 2%, at a rate in the top 8% of U.S. census tracts.
C #89 of 126 in New Hampshire; higher expected damage per building than 72% of U.S. towns (21,298).
Raymond’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical New Hampshire town has higher expected damage than 58% of U.S. towns; within the state, Raymond has more expected damage per building than 70% of New Hampshire towns.
In dollars, FEMA expects about $3.0M a year in losses across Raymond: $2.6M to buildings, the rest to people and crops.
Does Raymond flood? Sometimes: 73 flood claims since 1983
Every paid claim on a federal flood insurance policy in Raymond, from FEMA’s records: 16.2 per 1,000 homes, more than 81% of the 13,809 U.S. towns with a flood insurance record.
- The March 2010 nor’easter10 claims · $99K
- The December nor’easter3 claims · $40K
Raymond 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.12 federal disasters brought FEMA money to Raymond
Disasters that paid out in Raymond itself (aid to households or repair grants to the Town of Raymond), newest first, with that year’s flood claims.
- 2018Severe Winter Storm and Snowstorm$63K to the Town of Raymond for repairs
- 2015Severe Winter Storm and Snowstorm$29K to the Town of Raymond for repairs
- 2013Severe Winter Storm and Snowstorm$35K to the Town of Raymond for repairs
- 2012Hurricane Sandy$8K to the Town of Raymond for repairs
- 2010Severe Storms and Flooding$29K to the Town of Raymond for repairs
- 2010Severe Winter Storm$38K to the Town of Raymond for repairs
Show all 12
- 2008Severe Winter Storm$28K to the Town of Raymond for repairs
- 2007Severe Storms and Flooding149 households applied for aid$569K aid approved$148K to the Town of Raymond for repairs24 flood claims paid that year
- 2006Severe Storms and Flooding136 households applied for aid$303K aid approved$34K to the Town of Raymond for repairs15 flood claims paid that year
- 2005Record And/or Near Record Snow$22K to the Town of Raymond for repairs
- 2003Snow$15K to the Town of Raymond for repairs
- 2001Snow$16K to the Town of Raymond for repairs
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.
Old photos of Raymond after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Raymond archive →Raymond and its neighbors
Raymond is 5th of the 5 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 |
|---|---|---|---|
| Candia | Bless damage than 59% | river and rain flooding | — |
| Chester | B−less damage than 52% | river and rain flooding | 2 |
| Fremont | B−more damage than 53% | river and rain flooding | 40 |
| Epping | B−more damage than 53% | river and rain flooding | 31 |
| Raymond | Cmore damage than 72% | river and rain flooding | 73 |
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 Raymond 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.
- 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 Raymond
Is Raymond at risk for natural disasters?
On FEMA’s National Risk Index, Raymond has higher expected damage per building than 72% of U.S. towns: C for hazard risk, #89 of 126 in New Hampshire. Most of the expected damage is river and rain flooding (89%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Raymond flood?
Flood insurance has paid 73 claims in Raymond since 1983, $1.5M in all, or 16.2 per 1,000 homes, more than 81% of U.S. towns with a flood insurance record. 11 properties have flooded more than once. The most claims came from March 2010 Nor'easter (10).
Is Raymond 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 Raymond?
FEMA’s Community Rating System list shows no discount for Raymond’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 Raymond?
By FEMA money that reached Raymond, Severe Storms and Flooding (2007): 149 households applied for aid, $569K approved, and $148K to the Town of Raymond for repairs. By flood claims, March 2010 Nor'easter: 10 paid, $99K.
Is Raymond at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (89%), and Raymond’s rate for it is higher than 84% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Raymond.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Raymond’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.