NH Insurance Dept

NHID Issues Consumer Guidance on Flood Insurance Coverage and Flood Risk

The New Hampshire Insurance Department issued consumer guidance on March 6, 2026, reminding residents that standard homeowners insurance policies typically do not cover flood damage and that flooding can occur throughout the state from heavy rain, snowmelt, ice jams, and other events. The guidance explains that flood insurance is available through FEMA's National Flood Insurance Program (NFIP) and private insurers, outlines differences between NFIP and private coverage options, and notes that Risk Rating 2.0 affects NFIP pricing based on property characteristics. The NHID emphasizes that properties outside high-risk flood zones still carry some flood risk and encourages residents to evaluate their coverage needs with a licensed insurance agent.

NH Insurance Warns Drivers of Insurance Consequences Under New 100 MPH Reckless Driving Law

The New Hampshire Insurance Department issued a consumer alert on March 9, 2026, warning drivers about long-term financial consequences under RSA 265:79, the state's new law penalizing driving 100 miles per hour or greater that took effect January 1, 2026. First offenses carry a minimum $750 fine plus 90-day license suspension; subsequent offenses carry a minimum $1,000 fine plus 90-day to one-year suspension. The department emphasizes that beyond these penalties, convictions may result in substantially higher auto insurance premiums, changes to underwriting carrier, or difficulty obtaining coverage in the private market.

Bulletin INS 26-019-AB: 2027 Plan Year Issuer Guidance

The New Hampshire Insurance Department issued Bulletin INS 26-019-AB on April 7, 2026, providing filing guidance to licensed health and dental insurers for Plan Year 2027. The bulletin covers medical and dental issuers seeking Qualified Health Plan certification on and off the federal exchange, as well as non-QHP plans. Key deadlines include an initial filing deadline of May 1, 2026, for issuers introducing new products, networks, or discontinuing plans. Required submissions include the NHID Network Adequacy template via SERFF and the Mental Health Parity Quantitative Treatment Limits Reporting Tool for all health plan issuers.