New Hampshire Homeowners Insurance

Reviewed byPlaininsure Editorial, Homeowners Insurance Transparency Editorial Team · June 4, 2026

U.S. Treasury FIO data for 239 ZIP codes in New Hampshire (NH).

Homeowners in New Hampshire pay an average of $1,428 per year for home insurance — 20% below the national average of $1,776. That ranks New Hampshire as the 34th most expensive state out of 51 for homeowners insurance. Between 2018 and 2022, premiums rose by 3.1%; nonrenewal rates declined by 49.3% over the same period.

On five-year premium growth (2018–2022), New Hampshire ranks 35th out of 51 states. Its nonrenewal rate (0.89%) ranks 33rd out of 50 — nonrenewal is an early warning indicator of insurer retreat, often tied to disaster risk.

Source: U.S. Department of the Treasury, Federal Insurance Office — "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Premium values are five-year averages across all ZIP-level observations. See methodology for caveats.

Avg Premium

$1,428/yr

National avg: $1,776 (-20% below)

Premium Change

+3.1%

2018-2022 change

Avg Loss Ratio

29.9%

Claims paid vs premiums earned

Nonrenewal Rate

0.89%

-49.3% change

Data Snapshot: New Hampshire Homeowners Insurance

New Hampshire homeowners paid an average of $1,428 per year for home insurance based on U.S. Treasury FIO data covering 239 ZIP codes across the state. That is 20% below the national average of $1,776 per year reported by the Federal Insurance Office. New Hampshire ranks 34th most expensive out of 51 states and territories on annual premium, with ZIP-level observations ranging from $889 in 03597 to $5,446 in 03871.

Between 2018 and 2022, average premiums rose by 3.1% in New Hampshire, placing the state 35th nationally on five-year premium growth. The state-level loss ratio averaged 29.9%, meaning insurers retained a healthy margin after claims, typical of stable markets. Nonrenewal rates — the share of policies insurers decline to extend at expiration — averaged 0.89%, a decline of 49.3% over the study period (ranking 33rd out of 50 states).

Within New Hampshire, premium dispersion across ZIP codes is substantial: the most expensive ZIP (03871 in Rye Beach) charges 513% more than the least expensive (03597 in West Stewartstown), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is for educational research only and is not insurance advice — homeowners should obtain quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.

Loss Ratio Reading: New Hampshire

New Hampshire statewide — FIO 2018-2022 average: 30% (Insurer-favorable) — low claim payout — insurer retains a healthy margin.

ZIP Codes Tracked

239

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Premium Trends (2018-2022)

Year	Avg Premium	Median Premium	Loss Ratio	Claim Freq	Nonrenewal
2018	$1,385	$1,319	34.0%	3.63%	1.76%
2019	$1,404 (+1.3%)	$1,340	35.5%	3.37%	1.07%
2020	$1,427 (+1.6%)	$1,355	26.7%	2.78%	1.05%
2021	$1,416 (-0.7%)	$1,351	27.9%	2.81%	1.17%
2022	$1,428 (+0.8%)	$1,364	29.9%	2.68%	0.89%

Average Premium by Year

$1,385

2018

$1,404

2019

$1,427

2020

$1,416

2021

$1,428

2022

Most Expensive ZIP Codes in New Hampshire

Waterville Valley, NH

Most Affordable ZIP Codes in New Hampshire

03597

West Stewartstown, NH

All ZIP Codes in New Hampshire

239 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP	City	Premium	Loss Ratio	Claims	Nonrenewal
03871	Rye Beach	$5,446	1.0%	2.97%	N/A
03854	New Castle	$2,630	19.6%	5.90%	0.35%
03233	Elkins	$2,459	1.3%	3.92%	N/A
03750	Etna	$2,423	2.1%	1.20%	0.40%
03862	North Hampton	$2,219	24.7%	4.43%	0.56%
03870	Rye	$2,208	24.4%	3.07%	0.66%
03215	Waterville Valley	$2,208	6.8%	2.70%	0.90%
03768	Lyme	$2,146	10.7%	2.89%	0.72%
03853	Mirror Lake	$2,103	2.5%	0.99%	0.33%
03850	Melvin Village	$2,080	41.4%	6.02%	0.75%
03226	Center Harbor	$2,079	93.8%	4.11%	0.43%
03844	Hampton Falls	$2,049	45.9%	4.17%	0.69%
03444	Dublin	$2,047	33.2%	3.41%	N/A
03832	Eaton Center	$1,973	37.1%	0.80%	0.80%
03755	Hanover	$1,967	34.9%	3.43%	0.88%
03049	Hollis	$1,939	54.6%	3.76%	0.90%
03245	Holderness	$1,915	-1.0%	2.75%	0.76%
03782	Sunapee	$1,850	26.5%	3.67%	1.25%
03087	Windham	$1,846	32.7%	3.70%	1.04%
03846	Jackson	$1,832	51.1%	3.51%	0.41%
03257	New London	$1,832	19.9%	2.96%	0.49%
03885	Stratham	$1,814	66.6%	3.72%	0.72%
03227	Center Sandwich	$1,810	22.4%	4.71%	0.22%
03254	Moultonborough	$1,784	27.5%	3.84%	0.59%
03287	Wilmot	$1,781	87.2%	6.64%	0.95%
03817	Chocorua	$1,769	3.0%	1.36%	1.36%
03110	Bedford	$1,759	25.8%	3.64%	0.90%
03856	Newfields	$1,749	10.8%	2.11%	1.32%
03894	Wolfeboro	$1,744	22.0%	2.61%	0.66%
03586	Sugar Hill	$1,740	16.7%	1.96%	N/A
03457	Nelson	$1,699	25.4%	2.78%	0.93%
03840	Greenland	$1,696	9.7%	2.56%	0.58%
03770	Meriden	$1,685	0.7%	0.93%	N/A
03827	East Kingston	$1,673	26.7%	3.48%	0.52%
03608	Walpole	$1,658	11.7%	2.28%	0.88%
03777	Orford	$1,646	17.0%	3.62%	0.66%
03259	North Sandwich	$1,639	33.4%	4.03%	1.34%
03229	Contoocook	$1,639	41.0%	2.53%	0.94%
03449	Hancock	$1,637	19.4%	3.97%	1.13%
03811	Atkinson	$1,628	30.0%	3.04%	0.99%
03255	Newbury	$1,604	53.8%	3.72%	0.72%
03823	Madbury	$1,598	29.7%	3.38%	0.56%
03036	Chester	$1,585	16.4%	3.10%	0.62%
03033	Brookline	$1,584	85.5%	2.74%	0.80%
03809	Alton	$1,576	11.7%	2.52%	0.97%
03580	Franconia	$1,574	13.3%	1.63%	0.98%
03462	Spofford	$1,568	17.1%	3.85%	0.41%
03031	Amherst	$1,568	19.4%	3.02%	0.84%
03841	Hampstead	$1,562	17.6%	2.72%	0.98%
03745	Cornish	$1,559	6.8%	1.98%	0.50%
03443	Chesterfield	$1,558	11.5%	2.49%	N/A
03260	North Sutton	$1,553	17.9%	2.51%	1.08%
03057	Mont Vernon	$1,546	4.4%	2.22%	1.03%
03824	Durham	$1,543	24.3%	4.84%	0.57%
03032	Auburn	$1,543	17.9%	2.52%	0.82%
03801	Portsmouth	$1,518	19.6%	3.58%	0.65%
03455	Marlborough	$1,510	9.8%	0.52%	0.79%
03450	Harrisville	$1,509	7.2%	1.45%	0.87%
03284	Springfield	$1,503	9.5%	2.83%	0.85%
03779	Piermont	$1,501	1.7%	1.77%	N/A
03082	Lyndeborough	$1,501	11.2%	2.28%	1.27%
03253	Meredith	$1,501	25.7%	3.84%	0.45%
03751	Georges Mills	$1,500	60.8%	1.28%	1.28%
03076	Pelham	$1,495	28.4%	2.93%	0.88%
03084	Temple	$1,495	4.5%	1.95%	0.65%
03826	East Hampstead	$1,492	17.6%	2.61%	0.65%
03221	Bradford	$1,489	4.9%	1.47%	1.62%
03043	Francestown	$1,489	40.1%	1.76%	1.26%
03467	Westmoreland	$1,488	3.1%	0.87%	0.87%
03753	Grantham	$1,488	21.1%	2.83%	0.61%
03458	Peterborough	$1,488	46.0%	2.25%	0.48%
03070	New Boston	$1,484	47.4%	3.94%	1.05%
03034	Candia	$1,481	19.5%	2.53%	0.63%
03304	Bow	$1,478	32.5%	3.90%	0.59%
03781	Plainfield	$1,473	38.9%	4.33%	0.43%
03848	Kingston	$1,467	40.5%	1.83%	1.42%
03273	South Sutton	$1,466	20.5%	3.60%	1.80%
03833	Exeter	$1,460	23.2%	4.02%	0.77%
03865	Plaistow	$1,460	39.1%	2.88%	1.23%
03086	Wilton	$1,455	11.3%	3.08%	1.18%
03593	Randolph	$1,452	18.8%	3.77%	0.63%
03046	Dunbarton	$1,452	73.8%	3.24%	0.41%
03810	Alton Bay	$1,451	58.9%	2.48%	0.69%
03037	Deerfield	$1,450	18.9%	2.19%	0.82%
03258	Chichester	$1,450	11.1%	1.52%	1.18%
03241	Hebron	$1,442	55.3%	2.28%	0.41%
03858	Newton	$1,438	58.9%	2.42%	1.08%
03816	Center Tuftonboro	$1,434	9.1%	1.65%	0.60%
03249	Gilford	$1,431	40.0%	3.96%	0.80%
03047	Greenfield	$1,429	24.0%	1.95%	1.70%
03819	Danville	$1,428	86.9%	2.52%	1.31%
03838	Glen	$1,424	26.4%	2.71%	0.78%
03048	Greenville	$1,424	28.4%	2.90%	1.88%
03864	Ossipee	$1,424	19.4%	1.68%	1.07%
03269	Sanbornton	$1,423	6.6%	2.19%	0.77%
03466	West Chesterfield	$1,416	5.3%	1.22%	0.30%
03278	Warner	$1,415	14.8%	2.83%	0.89%
03873	Sandown	$1,412	63.1%	2.95%	1.01%
03445	Sullivan	$1,412	N/A	N/A	N/A
03602	Alstead	$1,409	19.2%	1.36%	1.36%
03607	South Acworth	$1,400	3.5%	2.60%	2.60%
03852	Milton Mills	$1,398	5.9%	1.54%	0.77%
03855	New Durham	$1,394	12.9%	1.55%	1.76%
03282	Wentworth	$1,394	38.1%	3.89%	1.17%
03251	Lincoln	$1,392	35.2%	2.50%	0.59%
03290	Nottingham	$1,391	10.3%	1.47%	0.81%
03875	Silver Lake	$1,390	15.3%	2.88%	1.08%
03456	Marlow	$1,390	8.6%	1.03%	2.06%
03869	Rollinsford	$1,387	51.9%	2.83%	0.19%
03861	Lee	$1,386	13.6%	3.00%	1.00%
03812	Bartlett	$1,380	46.4%	3.01%	0.30%
03242	Henniker	$1,379	21.9%	2.02%	0.95%
03079	Salem	$1,377	39.5%	3.41%	0.85%
03224	Canterbury	$1,376	11.0%	0.92%	0.46%
03071	New Ipswich	$1,374	45.5%	1.64%	0.78%
03216	Andover	$1,374	26.0%	2.39%	0.51%
03053	Londonderry	$1,373	29.7%	3.63%	0.90%
03044	Fremont	$1,371	70.6%	2.13%	1.42%
03874	Seabrook	$1,367	29.5%	2.91%	0.71%
03601	Acworth	$1,364	3.1%	1.38%	2.76%
03884	Strafford	$1,364	37.2%	2.09%	1.04%
03842	Hampton	$1,362	26.6%	3.44%	0.53%
03452	Jaffrey	$1,359	33.7%	1.94%	0.70%
03281	Weare	$1,355	14.2%	2.18%	0.51%
03872	Sanbornville	$1,352	25.9%	1.97%	0.77%
03825	Barrington	$1,349	28.3%	2.99%	0.45%
03261	Northwood	$1,341	52.2%	2.73%	0.96%
03448	Gilsum	$1,336	4.7%	1.35%	2.03%
03813	Center Conway	$1,336	24.5%	2.92%	0.65%
03038	Derry	$1,326	39.7%	3.14%	0.70%
03836	Freedom	$1,325	19.4%	2.74%	1.02%
03268	Salisbury	$1,324	119.9%	1.94%	0.56%
03263	Pittsfield	$1,323	39.9%	1.27%	0.99%
03860	North Conway	$1,323	18.9%	2.28%	0.62%
03765	Haverhill	$1,315	13.7%	2.42%	0.61%
03886	Tamworth	$1,312	44.2%	3.30%	0.83%
03605	Lempster	$1,308	8.4%	1.82%	1.82%
03052	Litchfield	$1,307	25.9%	2.96%	0.93%
03849	Madison	$1,303	31.4%	3.58%	0.72%
03773	Newport	$1,297	46.8%	3.13%	1.07%
03583	Jefferson	$1,296	54.8%	4.99%	0.88%
03042	Epping	$1,295	37.9%	2.22%	0.83%
03609	North Walpole	$1,295	29.5%	2.14%	0.71%
03104	Manchester	$1,292	63.0%	3.71%	0.81%
03585	Lisbon	$1,283	9.0%	1.85%	1.14%
03218	Barnstead	$1,281	180.0%	1.80%	1.20%
03883	South Tamworth	$1,278	N/A	N/A	N/A
03293	Woodstock	$1,278	2.7%	1.85%	N/A
03857	Newmarket	$1,278	5.8%	1.41%	0.63%
03307	Loudon	$1,278	5.7%	1.69%	0.92%
03470	Winchester	$1,276	40.6%	2.69%	0.67%
03882	Effingham	$1,276	60.0%	4.02%	1.06%
03441	Ashuelot	$1,273	4.2%	3.57%	N/A
03266	Rumney	$1,272	16.3%	2.21%	0.95%
03461	Rindge	$1,268	39.6%	2.06%	1.63%
03256	New Hampton	$1,265	38.8%	6.22%	0.82%
03230	Danbury	$1,264	11.9%	2.72%	0.54%
03243	Hill	$1,261	11.6%	1.01%	1.01%
03446	Swanzey	$1,260	32.7%	2.35%	1.13%
03820	Dover	$1,257	35.5%	3.91%	1.00%
03223	Campton	$1,252	37.0%	2.15%	0.45%
03064	Nashua	$1,249	27.2%	3.52%	1.07%
03234	Epsom	$1,248	11.4%	1.57%	0.84%
03845	Intervale	$1,246	18.0%	1.99%	1.33%
03887	Union	$1,245	38.7%	2.11%	0.65%
03285	Thornton	$1,244	22.5%	2.58%	1.03%
03766	Lebanon	$1,244	16.1%	3.17%	1.30%
03748	Enfield	$1,243	21.3%	3.53%	0.91%
03054	Merrimack	$1,243	51.3%	3.25%	0.83%
03275	Suncook	$1,241	43.0%	3.37%	0.66%
03222	Bristol	$1,240	45.9%	3.04%	0.96%
03264	Plymouth	$1,235	43.3%	2.37%	0.39%
03301	Concord	$1,234	22.0%	2.49%	0.66%
03276	Tilton	$1,232	73.0%	2.42%	0.98%
03818	Conway	$1,231	129.8%	2.81%	0.82%
03045	Goffstown	$1,229	42.7%	3.42%	0.52%
03574	Bethlehem	$1,229	34.3%	2.15%	0.61%
03752	Goshen	$1,229	8.9%	2.95%	0.84%
03465	Troy	$1,224	39.7%	3.96%	0.79%
03741	Canaan	$1,223	61.4%	2.51%	0.54%
03603	Charlestown	$1,223	81.6%	3.11%	1.61%
03442	Bennington	$1,222	30.4%	3.10%	1.38%
03225	Center Barnstead	$1,219	23.5%	2.53%	1.17%
03051	Hudson	$1,218	40.9%	2.69%	0.90%
03598	Whitefield	$1,217	94.0%	3.63%	1.13%
03440	Antrim	$1,214	12.4%	3.15%	0.60%
03217	Ashland	$1,212	11.6%	2.42%	0.97%
03062	Nashua	$1,211	38.0%	3.27%	0.53%
03244	Hillsborough	$1,210	26.5%	2.18%	0.56%
03246	Laconia	$1,209	26.9%	2.48%	0.60%
03280	Washington	$1,209	34.3%	1.62%	0.49%
03447	Fitzwilliam	$1,208	9.7%	1.42%	0.85%
03240	Grafton	$1,206	2.6%	1.47%	1.18%
03830	East Wakefield	$1,205	23.7%	2.20%	1.24%
03102	Manchester	$1,202	16.2%	2.54%	0.94%
03106	Hooksett	$1,199	40.5%	3.73%	0.75%
03431	Keene	$1,195	32.4%	2.76%	0.82%
03279	Warren	$1,191	14.5%	2.43%	N/A
03055	Milford	$1,190	41.4%	2.44%	1.03%
03464	Stoddard	$1,188	12.6%	1.93%	1.16%
03837	Gilmanton Iron Works	$1,187	7.7%	1.37%	0.46%
03743	Claremont	$1,184	52.1%	4.05%	1.14%
03077	Raymond	$1,182	41.0%	1.86%	0.84%
03814	Center Ossipee	$1,182	38.4%	3.53%	1.44%
03835	Farmington	$1,179	11.8%	2.08%	1.04%
03220	Belmont	$1,174	11.8%	2.33%	1.40%
03063	Nashua	$1,164	28.4%	3.02%	0.44%
03451	Hinsdale	$1,163	45.2%	3.04%	1.10%
03303	Concord	$1,161	16.3%	2.24%	0.53%
03851	Milton	$1,160	85.4%	2.18%	1.59%
03595	Twin Mountain	$1,154	21.1%	3.98%	0.50%
03237	Gilmanton	$1,151	25.7%	2.50%	0.60%
03890	West Ossipee	$1,151	7.9%	2.15%	1.08%
03584	Lancaster	$1,148	18.4%	4.03%	0.39%
03878	Somersworth	$1,148	20.2%	2.92%	0.89%
03103	Manchester	$1,144	31.9%	2.99%	0.94%
03780	Pike	$1,143	N/A	N/A	N/A
03235	Franklin	$1,138	43.0%	1.78%	0.89%
03784	West Lebanon	$1,134	24.3%	4.14%	0.18%
03262	North Woodstock	$1,129	14.7%	1.41%	1.06%
03590	North Stratford	$1,128	36.3%	1.62%	1.62%
03785	Woodsville	$1,121	85.8%	2.90%	0.24%
03060	Nashua	$1,119	40.8%	2.09%	0.90%
03740	Bath	$1,118	6.1%	0.93%	1.23%
03839	Rochester	$1,112	6.6%	1.67%	0.91%
03109	Manchester	$1,110	36.8%	2.94%	0.42%
03576	Colebrook	$1,109	13.0%	2.13%	0.78%
03561	Littleton	$1,094	17.1%	3.21%	0.74%
03579	Errol	$1,087	2.8%	0.32%	1.89%
03867	Rochester	$1,087	28.1%	2.51%	0.78%
03592	Pittsburg	$1,083	38.7%	1.87%	0.66%
03582	Groveton	$1,074	14.8%	1.72%	1.57%
03771	Monroe	$1,072	52.1%	0.48%	0.95%
03581	Gorham	$1,050	22.1%	2.17%	1.40%
03588	Milan	$1,045	25.5%	3.17%	0.50%
03774	North Haverhill	$1,038	61.0%	2.60%	0.24%
03868	Rochester	$1,004	10.7%	2.82%	1.00%
03570	Berlin	$980	22.9%	2.54%	1.05%
03597	West Stewartstown	$889	113.7%	3.45%	N/A

New Hampshire Insurance Guides

Why Is Homeowners Insurance So Expensive?

Key factors driving premium increases nationwide

The Insurance Nonrenewal Crisis

Why insurers are dropping policyholders and what it means

Understanding Loss Ratios

What loss ratios reveal about your state's insurance market

Insurance Costs by State

How New Hampshire compares to other states

Related Data for New Hampshire

Natural Disaster Risk

FEMA disaster & NOAA storm data for New Hampshire

Wildfire Risk Data

USDA wildfire risk assessments for New Hampshire

Rental Market Data

HUD fair market rents in New Hampshire

Cost of Living

BEA regional price parities across metros

Property Taxes

County property tax rates in New Hampshire

Climate Data

NOAA climate normals for New Hampshire

Frequently Asked Questions

What is the average homeowners insurance cost in New Hampshire? ▼

The average homeowners insurance premium in New Hampshire is $1,428 per year, based on U.S. Treasury FIO data covering 239 ZIP codes. This is 20% below the national average of $1,776.

How have insurance premiums changed in New Hampshire? ▼

New Hampshire homeowners insurance premiums changed by +3.1% between 2018 and 2022. The average loss ratio is 29.9%, meaning insurers pay out that percentage of earned premiums in claims.

Which ZIP code has the most expensive insurance in New Hampshire? ▼

The most expensive ZIP code for homeowners insurance in New Hampshire is 03871, with an average premium of $5,446/yr. The most affordable is 03597 at $889/yr.

What is the nonrenewal rate for New Hampshire homeowners insurance? ▼

The average nonrenewal rate in New Hampshire is 0.89%. This rate has changed by -49.3% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 03601 has the highest nonrenewal rate in the state at 2.76%.

What is a loss ratio and what does New Hampshire's mean? ▼

A loss ratio measures how much an insurer pays out in claims compared to premiums collected. New Hampshire's average loss ratio is 29.9%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.

How often do homeowners file insurance claims in New Hampshire? ▼

The average claim frequency in New Hampshire is 2.68%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $16,351. Higher claim frequency and severity typically correlate with higher premiums.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

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Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainInsure Editorial

Reviewed byPlaininsure Editorial, Homeowners Insurance Transparency Editorial Team · June 4, 2026

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