Homeowners Insurance in New Hampshire

The average New Hampshire homeowners premium is $1,300 a year (NAIC) — ▼ −25% versus the U.S. average of $1,737, ranking 35th of 51.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. Real premiums depend on the insurer, the home, its roof and claims history. We are not an insurance company or agency. How we estimate

Average homeowners and renters insurance in New Hampshire

Homeowners (HO-3)

$1,300

NAIC average / year

Renters (HO-4)

$153

U.S. $173

Median home value

$402,500

Census ACS

FEMA expected loss rating

Very Low

all natural hazards

NAIC averages cover standard owner-occupied (HO-3) policies. Premiums scale with the cost to rebuild, so New Hampshire's median home value of $402,500 and its exposure to wind, hail and wildfire explain much of the difference from other states.

Natural hazard risk in New Hampshire

FEMA National Risk Index — expected annual loss by hazard (state level)
Hazard	Expected loss rating	Score	Expected annual loss
Hail	Very Low	15.1	$1,412,988
Tornado	Relatively Low	37.7	$17,017,253
Hurricane	Relatively Low	56.5	$40,883,642
Inland (river) flooding	Relatively Low	26.8	$313,853,421
Coastal flooding	Relatively Moderate	51.4	$12,143,278
Wildfire	Very Low	11.8	$387,204
Earthquake	Very Low	26.8	$17,374,455
Winter weather	Relatively Moderate	28.6	$2,708,973
Strong wind	Relatively Low	20.8	$7,529,471
Lightning	Relatively Low	21.2	$10,162,765

Standard homeowners policies exclude flood and earthquake; both need separate coverage. Wind and hurricane damage is covered but often with a separate percentage deductible in coastal states.

Home Insurance Estimator

Estimated annual premium

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Per month

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Estimated homeowners insurance by city

For a home at each city's median value, standard frame construction and a $1,000 deductible. The lowest estimate is in Keene ($785) and the highest in Portsmouth ($2,000).

City	Median home value	Median year built	Hail / wind	Est. premium
Manchester	$365,600	1966	Relatively Low / Relatively High	$1,280
Nashua	$403,900	1975	Relatively Low / Relatively High	$1,390
Concord	$350,900	1969	Relatively Low / Relatively Moderate	$1,125
Dover	$436,700	1976	Very Low / Relatively Low	$1,235
Rochester	$279,100	1978	Very Low / Relatively Low	$865
Keene	$252,500	1961	Very Low / Relatively Low	$785
Portsmouth	$688,500	1959	Relatively Low / Relatively Moderate	$2,000
Laconia	$340,300	1974	Very Low / Relatively Low	$1,015

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Frequently asked questions

How much is homeowners insurance in New Hampshire?

NAIC data puts the average New Hampshire homeowners (HO-3) premium at $1,300 a year, ranking 35th of 51 (1 = most expensive). The national average is $1,737.

How much is renters insurance in New Hampshire?

The NAIC average renters (HO-4) premium in New Hampshire is $153 a year.

What natural hazards affect home insurance in New Hampshire?

FEMA's National Risk Index does not rate any single hazard in New Hampshire as relatively high for expected annual losses. Flood and earthquake still need separate policies.

Does homeowners insurance cover floods in New Hampshire?

No. Standard homeowners policies exclude flood damage. Flood coverage is sold separately through the National Flood Insurance Program (NFIP) or private insurers.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for the state, scale it by the ratio of the home value to the state median home value (Census ACS), adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for the county relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page