Homeowners Insurance in Nashua, NH
For a home at Nashua's median value of $403,900, we estimate about $1,390 a year — +7% versus the New Hampshire NAIC average of $1,300.
Estimated homeowners insurance cost in Nashua
Nashua's estimate reflects its home values (about the same as the state median) and FEMA's hazard profile for Hillsborough County.
Natural hazard risk in Nashua
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 55.4 | Comprehensive (car); roof claims (home) | |
| Tornado | 82.6 | Comprehensive; dwelling | |
| Hurricane | 92.6 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 92.6 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 86.9 | Comprehensive; dwelling | |
| Winter weather | 87.4 | Collision (icy roads); frozen pipes (home) | |
| Wildfire | 67.1 | Comprehensive; dwelling | |
| Earthquake | 88.2 | Home needs a separate earthquake policy | |
| Lightning | 93.2 | 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 Nashua
| Dwelling value | Wood frame | Brick / masonry |
|---|---|---|
| $200,000 | $790 | $730 |
| $300,000 | $1,095 | $1,005 |
| $500,000 | $1,645 | $1,515 |
| $750,000 | $2,280 | $2,095 |
Home Insurance Estimator
Homeowners insurance by ZIP code in Nashua
| ZIP | Median home value | Owner-occupied | Est. premium |
|---|---|---|---|
| 03060 | $362,600 | 37.1% | $1,275 |
| 03062 | $436,600 | 71.0% | $1,480 |
| 03063 | $391,400 | 62.6% | $1,355 |
| 03064 | $423,200 | 56.8% | $1,440 |
Homeowners insurance in New Hampshire · Car insurance in Nashua · Insurance offices near Nashua
Frequently asked questions
How much is homeowners insurance in Nashua?
For a home at Nashua's median value of $403,900, we estimate about $1,390 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 Nashua?
FEMA's National Risk Index rates Hillsborough County relatively high or very high for strong wind, winter weather, and lightning.
Does the age of homes in Nashua affect insurance?
Yes. The median home in Nashua was built in 1975 (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 Hillsborough County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023 (July 2026), Tables 4 and 5 (HO-3 and HO-4 average premiums)
- FEMA National Risk Index (Hillsborough County)
- U.S. Census Bureau, American Community Survey (home values, year built, tenure)