Derry, NH

8 ZIP codes — New Hampshire

Compare quotes in Derry, NH

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Avg Premium (2025 Est.)

$1,710

+11.5% from 2022

Stress Score

39/100

Nonrenewal Rate

0.83%

Insurance/Income

1.3%

ZIP Codes in Derry

ZIP	Avg Premium	Stress Score	Risk
03087	$1,846	46	Elevated
03811	$1,628	44	Elevated
03841	$1,562	44	Elevated
03036	$1,585	38	Moderate
03826	$1,492	38	Moderate
03079	$1,377	37	Moderate
03037	$1,450	36	Moderate
03038	$1,326	32	Moderate

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.