Loudon, NH Home Insurance

By Jon Merwin, Founder and CEO

Home · Flood · Condo · Renters · Umbrella · Loudon, New Hampshire

Portsmouth Atlantic Insurance is an independent agency founded in 2005 and licensed in 10 states. We are New Hampshire’s highest-rated agency on Google, with 1,000+ Google reviews and over 2,000 testimonials. We shop each Loudon home across 40+ carriers. Start with New Hampshire homeowners insurance, or read on.

Loudon at a glance

The U.S. Census Bureau estimates 5,781 Loudon residents as of July 1, 2025 (5,576 in the 2020 census). The town’s Hazard Mitigation Plan Update 2023, prepared with the Central New Hampshire Regional Planning Commission, describes about 46 square miles of land bordered by Concord and Pembroke to the south, Chichester and Pittsfield to the east, Barnstead to the northeast, Gilmanton to the north and Canterbury to the west. NH 106 bisects town north to south, and NH 129 runs through Loudon Village, the heart of the community, about 9 miles from downtown Concord.

The plan counts 2,234 housing units in 2020 and 2,756 parcels in 2022. From 2017 to October 2022 the town issued permits for 98 new single-family homes, 5 accessory dwelling units and 5 manufactured homes, and none for multi-family buildings. New Hampshire Motor Speedway sits on NH 106.

Carriers underwrite Loudon houses around rebuild cost, roof age, heating and wiring, distance to a hydrant or fire station, the well and septic, and whether the lot sits near the Soucook, a brook or a gravel road that washes out.

Where you live in Loudon changes the policy

• Loudon Village and the Village Dam. The town-owned Village Dam on South Village Road holds back the Soucook in the Village. The plan says it had a past tendency to flood before the south abutments were rebuilt higher in concrete, that the north side still needs re-engineering, and that a breach would flood properties downstream along NH 106 into Concord and Pembroke. Village homes need a FEMA map pull.
• NH 106, the Speedway area and the brooks. The Hazard Mitigation Committee lists the NH 106 and Speedway area, the Sanborn Road and Pittsfield Road bridges, and School Street and Oak Hill Road where Pine Island Brook crosses them as immediately susceptible to flooding. It also names South Village, Rocky Pond, Wales Bridge, Currier and Clough Hill roads as places where Soucook ice jams could do damage.
• Clough Pond and the other ponds. The plan lists Clough Pond, Rocky Pond, Crooked Pond, Hoit Marsh, Hothole Pond and Sanborn Pond among the main waterbodies, and Berry Road at Clough Pond among regular washout spots.
• Gravel and washout-prone roads. Loudon maintains about 71.3 miles of Class V roads. The plan lists all gravel roads plus Currier, Flagg, Old Shaker, Bumfagon, Gilmanton and North and South Village roads, Pleasant Street, Terry Drive and the west side of Bear Hill Road as regular washout locations. Tell us how the house is reached and about the well and septic.
• Manufactured housing neighborhoods. The plan names Freedom Hill Co-op (about 148 homes), Presidential Pine (about 57) and Scotch Pines (about 57), says those homes are less able to withstand snow load, and notes that Freedom Hill’s water system needed trucked-in water during the 2021 drought. Manufactured homes need a carrier that writes them.

Flood coverage in Loudon

Loudon participates in the NFIP. The plan cites current digital FIRMs and the Merrimack County Flood Insurance Study, both effective April 19, 2010. We check the current map for each address.

The plan’s NFIP history shows 2 policies in December 2004, 9 in August 2011, 6 in April 2016 and 6 in April 2023, all single-family, with $1,123,000 of coverage and no paid losses recorded. Against that, a 2022 review of town assessing maps identified 406 primary buildings at least partly in mapped special flood hazard areas: 371 single-family homes, 10 multi-family homes and 25 non-residential buildings, or about 17% of Loudon’s residences. By the plan’s own math, only about 1% of buildings in the floodplain are insured against flooding.

The plan also warns that runoff, blocked culverts, snowmelt, road washouts and beaver dam breaks can flood property anywhere in town, and it lists two high-hazard dams on Sanborn Brook, the Sanborn Pond Grist Mill Dam and the Sanborn Sawmill Dam, plus upstream Shaker dams in Canterbury that could affect Loudon if breached. A homeowners policy will not pay for the Soucook over its banks, or for surface water and washouts that send water into the house. Flood is its own policy. Check your address on the FEMA Flood Map Service Center.

• NFIP through Selective. We write National Flood Insurance Program policies through Selective, a Write Your Own carrier. The NFIP covers up to $250,000 for the building and $100,000 for contents. New policies generally have a 30-day waiting period (see FloodSmart), so buy before storm season, not during it.
• Private flood. When a home costs more than the NFIP building limit to rebuild, or you want coverage the NFIP leaves out, we compare Flow Flood, Neptune Flood, Beyond Floods, The Flood Insurance Agency, CatCoverage and Aon Edge. Each one decides address by address.
• Elevation certificates. If you have one, send it. If the house has been raised or has flood vents, it can make a real difference in how flood carriers rate it.

See our flood insurance overview. Water backup (sewer, drain or sump pump failure) is an add-on to homeowners; flood is separate. If your basement is finished, ask about both. See basement flooding coverage and our flood insurance overview.

Lightning, wind, ice and drought

The plan’s risk table scores lightning and public health 16.0 out of 16, followed by high wind events (14.7), river hazards and severe winter weather (13.3 each), and drought and wildfire (12.0 each); inland flooding scores 6.7. It calls the Speedway grandstands the single largest lightning attractor in town, and says one-egress roads are often blocked by fallen trees or power lines so residents cannot reach or leave their homes. Lightning, fallen trees, wind and ice damage are generally homeowners claims, subject to your deductible and policy terms.

Winter, trees and wind in Loudon

New Hampshire winters bring ice dams, frozen pipes and heavy snow loads, and storms bring down trees and limbs. These are generally homeowners claims, subject to your deductible and policy terms. A properly sized wind and all-perils deductible, and a roof in good shape, do more for most homeowners than any single add-on. Water damage from a burst pipe is usually covered when the home is heated and occupied; long vacancies can change that, so tell us if the house will sit empty.

Larger homes

Under about $2 million, most of our 40+ carriers are in play. In New Hampshire, Andover generally writes up to about $1.5 million, or closer to $1 million for homes far from a hydrant or fire station. Around $2 million to $3 million, Hanover is often a fit, and Cincinnati and Chubb both write homes at any dwelling limit, so we quote both. Each carrier underwrites the specific house, so these are starting points, not promises.

See high-value home insurance in New Hampshire.

Condos, rentals, ADUs and older homes

Your HO-6 condo policy covers what the association’s master policy does not. See condo insurance in New Hampshire. If you rent out a house or an accessory dwelling unit, tell us, because a rental changes the coverage you need; see landlord insurance. For New Hampshire landlord and habitational placements we work with Vermont Mutual, Andover, Safety, Concord Group and Providence Mutual. Carriers will ask an older farmhouse about its roof, heating, wiring, well and septic.

Renters and tenants in Loudon

If you rent in Loudon, your landlord’s policy covers the building, not your belongings or your liability. A renters policy covers both, plus extra living costs after a covered loss. We shop renters coverage across our carriers, and Progressive Home is one of them; we use Progressive Home for renters policies only. Landlords who own two- to four-family buildings can see landlord insurance.

Auto, umbrella and the rest of the household

Most Loudon households also need auto insurance, and many add a personal umbrella. We quote them with the home so the liability limits line up, and we put rentals, second homes, boats and valuables under the same review. One agent, one renewal conversation.

Common coverage gaps we see in Loudon

• A dwelling limit based on the purchase price or assessed value instead of the cost to rebuild
• No water backup coverage on a house with a finished basement
• Personal property limits that have not kept up with what the household actually owns
• Liability limits on the home and auto that do not line up with an umbrella, or no umbrella at all
• No ordinance or law coverage on an older home that would need code upgrades after a loss
• No flood policy on a Village, NH 106 or Soucook-side home in a mapped flood zone
• A short-term rental or ADU the carrier does not know about
• Well, septic, wood stove or gravel-road access details left off the application

Most of these are straightforward to fix once someone reads the declarations pages side by side, and that is the first thing we do in a review.

Before storm season in Loudon

• Know your hurricane or named storm deductible in dollars, not just as a percentage
• Photograph or video each room so a contents claim is easier to document
• Keep your declarations pages, flood policy and any elevation certificate somewhere you can reach from your phone
• If you are thinking about flood coverage, buy it well ahead of a storm because of the waiting period
• Line up a tree service and a plow contact before winter, since the plan rates high winds and winter weather among the town’s top hazards
• If your road has only one way out, plan for a few days without power or access

Buying a home in Loudon

Start the insurance conversation before you are under contract, not the week of closing. Send us the listing and the inspection report when you have it. The report answers most of what carriers ask: roof age, electrical panel, heating, plumbing and any water in the basement. Ask whether any part of the lot is in a FEMA special flood hazard area, whether the seller has an elevation certificate, and whether the home has a flood or water-loss history. For a gravel-road, pond or manufactured home, get well, septic, roof and access details into the insurance file before closing. We line up the homeowners binder, and a flood binder if you need one, so both are ready for your lender.

How a Loudon home quote works

• Tell us about the house: address, year built, square footage, roof age and updates to wiring, plumbing and heating.
• Send your current declarations page so we can compare like for like and point out limits that look short.
• We shop the carriers that fit and lay the options out side by side, with the differences in coverage, deductibles and storm terms, not just price.
• You choose, and we handle the switch, including your mortgage company and the effective date, so there is no gap.

Serving Loudon from Portsmouth

Our office is at 601 Islington St, Unit 206, Portsmouth, NH 03801, and we work with Loudon clients by phone, email and online. Call (603) 431-4020. Nearby, see our Concord, Pembroke and Barnstead pages.

Sources

• Town of Loudon, Hazard Mitigation Plan Update 2023 (CNHRPC; Selectmen adopted April 17, 2023; FEMA approved April 18, 2023)
• U.S. Census Bureau, Vintage 2025 subcounty population estimates
• FEMA Flood Map Service Center
• FloodSmart, buying a flood policy

Get a quote

Tell us about the property and we will compare carriers and follow up with options. Prefer to talk? Call (603) 431-4020.

Frequently asked questions

Do you insure homes in Loudon, NH?

Yes. We insure Loudon homes from our Portsmouth office at 601 Islington St, and by phone, email and online. Call (603) 431-4020.

Does Loudon flood?

Parts of it can, mainly along the Soucook River, its brooks and washout-prone roads. The town’s 2023 hazard mitigation plan identifies 406 primary buildings in mapped flood zones, including 371 single-family homes, and lists NH 106 near the Speedway, the Sanborn Road and Pittsfield Road bridges, and School Street and Oak Hill Road as susceptible. As of April 2023 there were only 6 NFIP policies in town. Check your address on the FEMA Flood Map Service Center.

Does homeowners insurance cover a flooded basement?

Not from flood. Water backup from sewers, drains or a sump pump is an add-on, and rising or surface water needs a flood policy.

Who writes your NFIP flood policies?

We write NFIP policies through Selective, and we compare private flood from Flow Flood, Neptune Flood, Beyond Floods, The Flood Insurance Agency, CatCoverage and Aon Edge.

Do you charge fees?

No. We don’t charge fees on any policy we write, including homeowners, condo, renters, landlord, dwelling and auto.