Homeowners Insurance in Dover, NH

For a home at Dover's median value of $436,700, we estimate about $1,235 a year — −5% versus the New Hampshire NAIC average of $1,300.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Dover

Est. premium

$1,235

$103/mo · median home

Median home value

$436,700

New Hampshire: $402,500

Median year built

1976

Census ACS

Owner-occupied

52.7%

of households

Hazard score

53.7

state ref. 72.0

Dover's estimate reflects its home values (8% higher than the state median) and FEMA's hazard profile for Strafford County.

Natural hazard risk in Dover

FEMA National Risk Index — Strafford County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Very Low	20.3	Comprehensive (car); roof claims (home)
Tornado	Relatively Low	42.2	Comprehensive; dwelling
Hurricane	Relatively Low	76.6	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively Moderate	76.0	Comprehensive; home needs a separate flood policy
Coastal flooding	Relatively Low	44.6	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Low	43.0	Comprehensive; dwelling
Winter weather	Relatively Low	48.5	Collision (icy roads); frozen pipes (home)
Wildfire	Very Low	34.5	Comprehensive; dwelling
Earthquake	Relatively Low	77.4	Home needs a separate earthquake policy
Lightning	Relatively Moderate	74.3	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Dover

Dwelling value	Wood frame	Brick / masonry
$200,000	$660	$610
$300,000	$915	$840
$500,000	$1,375	$1,265
$750,000	$1,905	$1,750

Home Insurance Estimator

Estimated annual premium

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Homeowners insurance in New Hampshire · Car insurance in Dover · Insurance offices near Dover

Frequently asked questions

How much is homeowners insurance in Dover?

For a home at Dover's median value of $436,700, we estimate about $1,235 a year for a standard HO-3 policy with a $1,000 deductible. The New Hampshire NAIC average is $1,300.

What are the biggest natural hazards in Dover?

FEMA's National Risk Index does not rate Strafford County as relatively high for any single hazard.

Does the age of homes in Dover affect insurance?

Yes. The median home in Dover was built in 1976 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

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

Sources used on this page