🌍 ClimateRiskCheck

Natural Disaster Risk in Elkins

New Hampshire

6.8out of 10
High Risk

Risk Summary for Elkins

Elkins scores 6.8/10 (High risk), above the U.S. average of 4.5. The leading hazard is Ice Storm.

Top Hazards

Ice Storm Lightning Hurricane

All 18 Hazard Scores

Lightning
9.1
Ice Storm
9.1
Hurricane
9.0
Avalanche
8.6
Winter Weather
8.3
Landslide
8.3
Earthquake
7.9
Extreme Heat
7.5
Drought
6.4
Tornado
6.2
Cold Wave
6.0
Strong Wind
5.8
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Hail
4.5
Wildfire
4.3
Riverine Flooding
1.0

How it compares

Elkins
6.8
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: Elkins, New Hampshire

Elkins is a small unincorporated community in Merrimack County, along the northeastern Atlantic Seaboard. The area experiences long, cold winters and brief, warm summers, with heavy nor'easter snowstorms shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Elkins.

According to FEMA's National Risk Index, Elkins carries an overall risk score of 6.8/10, placing it in the high category. The area faces significant ice storm exposure, where the thermal profile of the atmosphere during winter storms frequently delivers freezing rain rather than snow. The area also faces notable exposure to lightning and hurricane.

Elkins's risk score, slightly above the 6.2/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Merrimack County, the highest-scoring are ice storm, lightning, and hurricane. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

Elkins's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for Elkins: Ice Storm preparedness

  • Prepare for multi-day power outages, as ice accretion frequently downs power lines.
  • Keep walkways treated and avoid travel during freezing-rain events.
  • Have a backup heat source and charged devices ready before winter storms arrive.

Local Factors for Elkins

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

Population

156

Rural

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Cool Continental

Latitude 43.4Β°

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

43.4233Β° N, 71.9332Β° W

Merrimack 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 Elkins

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Elkins

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.