Homeowners along the New Hampshire Seacoast face significant risks from wind-driven rain during storms. Properties with aging infrastructure, such as older homes in Portsmouth's historic district, are especially prone to water intrusion through deteriorated seals, mortar, or roofing. High-value homes with custom finishes and complex rooflines are at greater financial risk, as denied claims can result in repair costs reaching six figures. Additionally, disputes over insurance coverage are common, particularly when carriers classify damage as maintenance-related rather than storm-induced. The NHID warns that standard homeowners insurance often excludes flood-related losses, including storm surge, which requires separate flood insurance.