New Hampshire

Home insurance overview — 238 ZIP codes, 95 cities

Avg Premium (2025 Est.)

$1,600

+11.9% from 2022

Nonrenewal Rate

0.89%

5yr Storm Damage

$13.2M

New Hampshire Risk Map

Cities

City	ZIP Codes	Avg Premium	Stress Score	YoY	Risk
Charlestown	3	$1,485	56	+11.7%	Elevated
Newport	4	$1,654	53	+13.2%	Elevated
Center Sandwich	2	$1,947	52	+12.9%	Elevated
Bradford	2	$1,680	51	+13.7%	Elevated
Melvin Village	4	$1,980	51	+14.8%	Elevated
Ashland	2	$1,758	51	+12.4%	Elevated
New London	6	$1,973	51	+11.4%	Elevated
Hancock	3	$1,767	50	+9.4%	Elevated
Bennington	2	$1,490	50	+12.4%	Elevated
Lisbon	2	$1,706	50	+12.8%	Elevated
Hampton	4	$3,326	50	+20.1%	Elevated
Wilton	2	$1,658	49	+12.2%	Elevated
Bartlett	4	$1,818	49	+12.5%	Elevated
Hanover	3	$2,443	49	+12.1%	Elevated
North Walpole	2	$1,507	49	+11.5%	Elevated
Newfields	2	$2,004	48	+12.5%	Elevated
Lincoln	2	$1,646	48	+11.0%	Elevated
Groveton	2	$1,328	48	+12.0%	Elevated
Jaffrey	3	$1,733	47	+11.2%	Elevated
Walpole	1	$1,865	47	+12.5%	Elevated
Center Ossipee	4	$1,357	47	+10.0%	Elevated
Francestown	1	$1,639	47	+10.1%	Elevated
Meredith	2	$2,063	47	+15.2%	Elevated
Greenville	2	$1,575	47	+12.6%	Elevated
Wolfeboro	2	$1,783	46	+12.6%	Elevated
Marlborough	1	$1,692	46	+12.1%	Elevated
North Woodstock	3	$1,349	46	+10.8%	Elevated
North Conway	4	$1,643	46	+12.4%	Elevated
Keene	4	$1,510	46	+11.2%	Elevated
Whitefield	1	$1,367	45	+12.3%	Elevated
Conway	6	$1,664	45	+12.5%	Elevated
Suissevale	1	$2,017	45	+13.1%	Elevated
Mountain Lakes	5	$1,312	44	+11.3%	Elevated
Loudon	2	$1,545	43	+13.3%	Elevated
Canaan	3	$1,504	43	+10.7%	Elevated
Claremont	1	$1,315	43	+11.1%	Elevated
Portsmouth	4	$2,284	42	+13.5%	Elevated
Klondike Corner	3	$1,635	42	+11.8%	Elevated
Peterborough	2	$1,657	42	+11.1%	Elevated
North Haverhill	4	$1,387	42	+11.0%	Elevated
Hinsdale	4	$1,474	42	+9.0%	Elevated
Sanbornville	2	$1,424	42	+11.3%	Elevated
Contoocook	1	$1,844	42	+12.5%	Elevated
East Merrimack	3	$1,618	41	+12.6%	Elevated
Plainfield	3	$1,719	41	+9.3%	Elevated
Epping	6	$1,566	41	+11.7%	Elevated
Milford	2	$1,559	41	+12.4%	Elevated
Amherst	1	$1,745	41	+11.3%	Elevated
Troy	2	$1,343	41	+10.4%	Elevated
Pittsfield	4	$1,485	40	+11.9%	Moderate
Henniker	1	$1,551	40	+12.4%	Moderate
Gorham	1	$1,162	40	+10.6%	Moderate
Winchester	1	$1,431	40	+12.1%	Moderate
Blodgett Landing	3	$1,495	40	+11.0%	Moderate
West Swanzey	2	$1,554	40	+9.9%	Moderate
Enfield	2	$1,504	40	+10.1%	Moderate
Tilton Northfield	2	$1,502	40	+13.1%	Moderate
Alton	6	$1,535	39	+11.5%	Moderate
Milton Mills	1	$1,538	39	+10.0%	Moderate
Hudson	2	$1,532	39	+12.9%	Moderate
Antrim	2	$1,335	39	+11.1%	Moderate
West Stewartstown	2	$1,130	39	+12.0%	Moderate
Exeter	3	$1,714	39	+12.5%	Moderate
Derry	8	$1,710	39	+11.5%	Moderate
Bristol	5	$1,434	39	+10.6%	Moderate
Littleton	1	$1,189	38	+8.7%	Moderate
Farmington	1	$1,312	37	+11.3%	Moderate
Milton	1	$1,269	37	+9.4%	Moderate
Warner	2	$1,517	37	+10.7%	Moderate
Nashua	5	$1,498	37	+12.1%	Moderate
Bethlehem	2	$1,316	37	+10.4%	Moderate
Durham	2	$1,641	37	+12.0%	Moderate
Lebanon	2	$1,305	36	+9.7%	Moderate
Manchester	5	$1,409	35	+12.0%	Moderate
Londonderry	1	$1,525	35	+11.1%	Moderate
Colebrook	2	$1,207	35	+10.2%	Moderate
Raymond	2	$1,447	35	+11.6%	Moderate
Franklin	2	$1,413	34	+12.5%	Moderate
Dover	3	$1,564	34	+10.7%	Moderate
Seabrook Beach	1	$1,501	34	+9.8%	Moderate
South Hooksett	2	$1,490	33	+11.1%	Moderate
Plymouth	2	$1,367	33	+9.9%	Moderate
Belmont	2	$1,301	33	+11.8%	Moderate
Somersworth	1	$1,280	33	+11.5%	Moderate
Hillsborough	1	$1,370	33	+13.2%	Moderate
New Hampton	1	$1,392	33	+10.1%	Moderate
Goffstown	2	$1,504	32	+12.2%	Moderate
Suncook	2	$1,388	32	+11.5%	Moderate
Rochester	4	$1,271	31	+11.6%	Moderate
Laconia	1	$1,342	31	+11.0%	Moderate
Berlin	2	$1,097	31	+8.3%	Moderate
Union	1	$1,412	31	+13.4%	Moderate
Concord	4	$1,454	30	+10.8%	Moderate
Newmarket	1	$1,426	30	+11.6%	Moderate
Lancaster	1	$1,259	27	+9.7%	Moderate

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Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.