Homeowners in New Hampshire's coastal areas, particularly in towns like Rye, New Castle, and Portsmouth, are at risk of significant financial burdens if their properties are damaged by storms. Older homes, especially those in historic districts, are more vulnerable due to outdated building codes and materials. The cost of compliance with modern building codes, including foundation elevation and structural upgrades, can quickly escalate into six figures. Additionally, properties in flood zones face unique challenges, as standard homeowners' policies often exclude flood-related damages, leaving homeowners to rely on separate flood insurance policies (source: Avery Insurance).