🌍 ClimateRiskCheck

Natural Disaster Risk in Durham

New Hampshire

6.1out of 10
High Risk

Risk Summary for Durham

Durham scores 6.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.

Top Hazards

Coastal Flooding Ice Storm Hurricane

All 18 Hazard Scores

Coastal Flooding
9.2
Ice Storm
9.0
Hurricane
8.4
Earthquake
8.0
Lightning
7.8
Drought
7.0
Landslide
6.6
Extreme Heat
5.6
Winter Weather
5.5
Tsunami
5.4
Volcanic Activity
5.1
Strong Wind
5.0
Tornado
4.9
Cold Wave
4.9
Avalanche
4.5
Wildfire
4.3
Hail
3.0
Riverine Flooding
1.0

How it compares

Durham
6.1
New Hampshire avg.
6.2
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Durham, New Hampshire

Durham, in Strafford County, is a city of approximately 15,080 residents situated along the northeastern Atlantic Seaboard. Its humid continental climate brings long, cold winters and brief, warm summers, and in particular heavy nor'easter snowstorms. These conditions collectively define the natural hazard environment that Durham residents and property owners must navigate.

Durham's overall natural disaster risk is rated 6.1/10 (High) by FEMA's National Risk Index. The risk of coastal inundation tops the local hazard profile, with the area exposed to storm surge, tidal flooding, and wave action during major coastal storm events. Secondary hazards include ice storm and hurricane.

Within New Hampshire, Durham's risk is, near the 6.2/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Strafford County identifies coastal flood as the foremost hazard, followed by ice storm and hurricane. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, Durham residents benefit from taking preparedness seriously. Reviewing insurance coverage for coastal flood and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Durham: Coastal Flooding preparedness

  • Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
  • Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
  • Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.

Local Factors for Durham

These city-level factors differentiate Durham from other communities in Strafford County and provide geographic context for its hazard exposure.

Population

15,080

Suburban

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Cool Continental

Latitude 43.1Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 4.3/10

Coordinates

43.1174Β° N, 70.9194Β° W

Strafford County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Durham

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Durham

Other cities in New Hampshire

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.