Carroll County, NH: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Carroll County scores at the 82th percentile for flood hazard, rated "Relatively Moderate" — a middling flood hazard by national standards. The hazard here is driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 2.6 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Mandatory flood insurance compliance in Carroll County
Homes with a federally backed mortgage inside Carroll County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 10.6% of them do — 171 active policies against 1,608 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 0.9% of all residential structures in Carroll County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Carroll County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Carroll County ranks 592 — 1 being the highest hazard nationally — and 976 by population among all 3144 counties covered here, where 1 is the largest. Carroll County, New Hampshire is home to about 52,580 people across 931.876 square miles of land.
Checking a specific address in Carroll County
FEMA counts 30,923 residential structures in Carroll County overall, 272 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Carroll County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.