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PORTSMOUTH  Around the turn of the millennium, Glenn Normandeau assumed ownership of his family’s longtime property, 15 Pickering Ave., and with it took control of the property’s flood insurance plan. The annual premium paid, Normandeau estimated, is about $500  a benefit that’s been largely underutilized due to few bouts of impactful flooding at his house. “We’ve never had, knock on wood, thank God, one of these devastation deals where the water is six feet high in the house or anything like that,” he said. “The damages that have happened are mostly sort of a mop-up option. We haven t had a scenario where we’ve had serious structural damage to the buildings or anything like that.”

New yorkUnited statesPiscataqua riverNew hampshirePrescott parkSag harborStrawbery bankeRobert cohenJoan schorschJohn schorschGlenn normandeauCongressional research servicePortsmouth committee on sustainable practicesGame departmentNational flood insurance programFlood insurance program