Storms, floods and disasters in Seabrook Beach
Seabrook Beach isn’t graded for hazard risk: Seabrook Beach is a Census area inside a town, graded with the town. Flood insurance has paid 4 claims here since 2018.
What Seabrook Beach faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Coastal flooding
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.
Does Seabrook Beach flood? Rarely: 4 flood claims since 2018
Every paid claim on a federal flood insurance policy in Seabrook Beach, from FEMA’s records.
Seabrook Beach 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.The storms Seabrook Beach remembers
None of the 29 disasters declared for Rockingham County shows FEMA aid or repair money reaching Seabrook Beach itself in FEMA’s records, so these are its biggest flood-claim years.
- 20243 flood claims paidThe year of Severe Winter Storm and Flooding, declared for Rockingham County
- 20181 flood claims paidThe year of Severe Winter Storm and Snowstorm, declared for Rockingham County
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 Seabrook Beach after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Seabrook Beach archive →Seabrook Beach and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Hampton Falls | Bless damage than 62% | river and rain flooding | 5 |
| Seabrook | C−more damage than 81% | river and rain flooding | 33 |
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 Seabrook Beach faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- 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 Seabrook Beach
Does Seabrook Beach flood?
Flood insurance has paid 4 claims in Seabrook Beach since 2018, $327K in all.
Is Seabrook Beach 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 Seabrook Beach?
FEMA’s Community Rating System list shows no discount for Seabrook Beach’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Storm stories
Memories, warnings and help from neighbors in Seabrook Beach.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Seabrook Beach’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.