Flooding poses a significant risk to both high-risk and low-risk areas along the New Hampshire Seacoast. Homeowners may face unexpected financial burdens if they lack proper flood insurance, as standard policies do not cover flood-related damages. Storm surges, heavy rain, and groundwater infiltration can lead to property damage, particularly in low-lying areas. Residents are encouraged to assess their flood risk and consider obtaining appropriate insurance coverage to mitigate potential losses.