Raymond, NH Home Insurance

By Jon Merwin, Founder and CEO

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

Portsmouth Atlantic Insurance is an independent agency founded in 2005 and licensed in 10 states. We are the most-reviewed independent insurance agency in New Hampshire, with 1,000+ Google reviews and over 2,000 testimonials across our two offices. We shop each Raymond home across 40+ carriers, and we charge no fees. Start with New Hampshire homeowners insurance, or read on.

Raymond at a glance

The U.S. Census Bureau estimates 11,050 Raymond residents as of July 1, 2025 (10,687 in the April 2020 estimates base). The town’s Natural Hazard Mitigation Plan Update 2022, prepared with the Rockingham Planning Commission and approved by the Board of Selectmen on February 28, 2022, describes Raymond as primarily rural residential, 29.6 square miles (18,940 acres), with its high point on Dumplingtown Hill at 625 feet.

Two watersheds split the town. The Lamprey River drains the northern two-thirds, including Governors Lake, Onway Lake and Dudley Brook, and its main stem winds through downtown under Route 107 toward Epping. The Exeter River drains the southern third, including Fordway Brook in the Old Bye neighborhood and the Blueberry Hill and Brown Road areas. The plan says the 100-year floodplain lies generally along those two rivers, and that most of the town relies on private wells.

For insurance, that means a wide mix: single-family neighborhoods and condos, lake homes on Governors and Onway lakes (the plan expects more seasonal lakefront homes to be converted to year-round use), mobile home parks, and houses on well and septic near rivers, brooks and wetlands where the flood map and basement history matter.

Where you live in Raymond changes the policy

• Route 27 and Old Manchester Road. The plan rates four flood locations as major: Route 27 east of Harriman Hill Road, Route 27 at the highway shed (state culverts it calls undersized), Old Manchester Road at the elementary school, where the school is in the floodplain, and Scribner Road. It also lists Route 27 at Lower Scotland Drive, at Nick’s Restaurant and at the Epping town line.
• Along the Lamprey River. The plan lists the Riverview Condos at Routes 27/107 (flooding and erosion of private property below flood level), Main Street at Pecker Bridge, Epping Street at the Lamprey River, and Floral Avenue, where it says mitigation may require buying five homes.
• Along the Exeter River and Fordway Brook. Riverside Drive at the Exeter River floods private property and the road, and the plan says the mobile homes there need to be raised. Lane Road floods at the Fordway Brook swamp and at several other points, and the plan calls Fordway Brook geomorphically active, with erosion making flooding worse.
• Governors Lake and the private developments. West Shore Drive at the inlet to Governors Lake, Dudley Road and Critchett Road, and the private Clearwater Estates are listed as intermediate flood areas; the plan notes the Clearwater berm was replaced but the area is still prone to flooding.
• Other listed roads. Plains Road, the Langford Road bridge approach, Prescott Road, Lisa Avenue, Jennifer Lane, Route 102 at Park Place and at the town line, Old Mill Road, Pond Road, Otter Court, Mildred Avenue, Norton Pond at Shatagee Road and the Pine Acres Resort at Dead Pond, several of them tied to beaver activity or undersized culverts.

Flood coverage in Raymond

Raymond joined the Regular Program of the NFIP on April 15, 1982. The plan’s FEMA snapshot (February 2020) showed 117 policies in force, 113 on residential properties, with $25,148,600 of coverage, 71 paid losses totaling $1,289,575 since 1978, and eleven repetitive-loss claims, ten of them residential.

That is a lot of flood history for an inland town. The plan also says some of the most severe flooding comes in early spring, from snowmelt and heavy rain combined with ice jams, and that local officials believe flood risk has increased as extreme rain becomes more frequent. It lists the Dolloff Dam on Pawtuckaway Lake in Nottingham as a high-hazard dam upstream.

A homeowners policy will not pay for a river or pond over its banks, or for surface water. Flood is its own policy. Check your address on the FEMA Flood Map Service Center and ask us to compare NFIP and private flood.

• 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.

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.

Other hazards in the Raymond plan

The plan rates the probability of roadway flooding from rain and snowmelt as high, and rates severe winter weather high as well. It says high wind, lightning, hail and heavy rain from hurricanes and thunderstorms can reach every neighborhood, bringing down trees and flooding basements. Wildfire probability is rated low, with most fires minor brush fires, though the plan flags the Town Forest and homes near large open areas.

For a homeowner, the takeaway is that most Raymond losses start with water and trees: basements, roofs and outbuildings. We review wind, water backup, flood and well coverage on every Raymond homeowners quote.

Winter, trees and wind in Raymond

The plan records the January 2009 storm (tree and wind-blown debris), March 2010 flooding that damaged roads and culverts, the October 2011 “Halloween storm” with widespread outages and closed roads, heavy snow in March 2013, and two 2018 nor’easters that brought down trees. It names extended power outages and loss of heat, especially for elderly residents, as a concern. For homeowners, that means ice dams, frozen pipes, snow loads and trees on roofs. 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 homeowners 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; above $3 million, Cincinnati; and at $5 million and up, Chubb. Each carrier underwrites the specific house, so these are starting points, not promises.

Lakefront homes on Governors and Onway lakes, and newer homes on large lots, can carry rebuild costs well above the assessment, so we start with a replacement-cost estimate. See high-value home insurance in New Hampshire.

Condos, rentals 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 in Raymond, you need a dwelling or landlord policy; for New Hampshire landlord and habitational placements we work with Vermont Mutual, Andover, Safety, Concord Group and Providence Mutual. For an older home, carriers will ask about the roof, heating, wiring, plumbing, well and septic. A mobile or manufactured home needs its own form; ask us.

Renters and tenants in Raymond

If you rent in Raymond, 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 Raymond households also need auto insurance, and many add a personal umbrella. Raymond sits on Routes 101, 107, 27 and 102, and the plan lists several of them among its flood spots, so a good auto policy and roadside coverage are worth a look. 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 Raymond

• 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 home near the Lamprey or Exeter rivers, Fordway Brook or Governors Lake
• A lake home that was converted to year-round use but is still insured as seasonal
• Well, septic or outbuilding details left off a rural-lot 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 Raymond

• 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
• If you live near one of the plan’s listed flood spots, keep sump-pump and elevation records handy
• Know where your well pump and heat stand in a long power outage

Buying a home in Raymond

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. Near the Lamprey or Exeter rivers, the lakes or a plan-listed road, ask for any elevation certificate and the seller’s flood history. For a lake home, confirm whether it is winterized and used year-round. We line up the homeowners binder, and a flood binder if you need one, so both are ready for your lender.

How a Raymond 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 Raymond from Portsmouth

Our office is at 601 Islington St, Unit 206, Portsmouth, NH 03801, and we work with Raymond clients by phone, email and online. Call (603) 431-4020. Nearby, see our Fremont, Nottingham, Deerfield, Hampstead, Derry, Newmarket, Auburn, Epping, Chester and Durham pages.

Sources

• Town of Raymond, Natural Hazard Mitigation Plan Update 2022 (Rockingham Planning Commission)
• 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 Raymond, NH?

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

Does Raymond flood?

Yes, in documented spots. The town’s 2022 hazard mitigation plan lists more than three dozen flood-prone locations, mostly along the Lamprey and Exeter rivers, and its 2020 NFIP snapshot showed 71 paid flood losses since 1978. 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.