Caleb Whittaker Place · Photo: User:Magicpiano · CC BY-SA 4.0FEMA expects more hazard damage per building in Weare than in 66% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Weare gets a C for hazard risk: higher expected damage per building than 66% of U.S. towns, #77 of 126 in New Hampshire. Most of that expected damage is river and rain flooding (82%), then hurricanes (11%). Flood insurance has paid 7 claims here since 1996.
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 Weare 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 Weare’s grade
River and rain flooding is 82% of the building damage FEMA expects in Weare, and Weare’s rate of river and rain flooding damage is higher than 77% of U.S. census tracts. Ice storms add 2%, at a rate in the top 9% of U.S. census tracts.
C #77 of 126 in New Hampshire; higher expected damage per building than 66% of U.S. towns (21,298).
Weare’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, Weare has more expected damage per building than 61% of New Hampshire towns.
In dollars, FEMA expects about $2.7M a year in losses across Weare: $2.4M to buildings, the rest to people and crops.
Does Weare flood? Rarely: 7 flood claims since 1996
Every paid claim on a federal flood insurance policy in Weare, from FEMA’s records: 1.8 per 1,000 homes, fewer than 64% of the 13,809 U.S. towns with a flood insurance record.
Weare 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.12 federal disasters brought FEMA money to Weare
Disasters that paid out in Weare itself (aid to households or repair grants to the Town of Weare), newest first, with that year’s flood claims.
- 2015Severe Winter Storm and Snowstorm$32K to the Town of Weare for repairs
- 2013Severe Winter Storm and Snowstorm$47K to the Town of Weare for repairs
- 2011Severe Storm and Snowstorm$24K to the Town of Weare for repairs
- 2010Severe Winter Storm$34K to the Town of Weare for repairs
- 2008Severe Winter Storm$61K to the Town of Weare for repairs
- 2007Severe Storms and Flooding18 households applied for aid$28K aid approved$49K to the Town of Weare for repairs1 flood claim paid that year
Show all 12
- 2006Severe Storms and Flooding46 households applied for aid$61K aid approved$199K to the Town of Weare for repairs3 flood claims paid that year
- 2005Record Snow$25K to the Town of Weare for repairs
- 2005Record And/or Near Record Snow$22K to the Town of Weare for repairs
- 2003Snow$26K to the Town of Weare for repairs
- 2003Snow$15K to the Town of Weare for repairs
- 2001Snow$19K to the Town of Weare 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 Weare after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Weare archive →Weare and its neighbors
Weare is 6th of the 7 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 |
|---|---|---|---|
| Dunbarton | A−less damage than 76% | river and rain flooding | — |
| Goffstown | B−more damage than 52% | river and rain flooding | 119 |
| Henniker | C+more damage than 62% | river and rain flooding | 1 |
| Deering | Cmore damage than 66% | river and rain flooding | 6 |
| Francestown | Cmore damage than 66% | river and rain flooding | 11 |
| Weare | Cmore damage than 66% | river and rain flooding | 7 |
| Hopkinton | Cmore damage than 75% | river and rain flooding | 3 |
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 Weare 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 Weare
Is Weare at risk for natural disasters?
On FEMA’s National Risk Index, Weare has higher expected damage per building than 66% of U.S. towns: C for hazard risk, #77 of 126 in New Hampshire. Most of the expected damage is river and rain flooding (82%) and hurricanes (11%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Weare flood?
Flood insurance has paid 7 claims in Weare since 1996, $110K in all, or 1.8 per 1,000 homes, fewer than 64% of U.S. towns with a flood insurance record. 2 properties have flooded more than once.
Is Weare 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 Weare?
FEMA’s Community Rating System list shows no discount for Weare’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 Weare?
By FEMA money that reached Weare, Severe Storms and Flooding (2006): 46 households applied for aid, $61K approved, and $199K to the Town of Weare for repairs.
Is Weare at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (82%), and Weare’s rate for it is higher than 77% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Weare.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Weare’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.