Homeowners insurance in New Hampshire: premium by ZIP code
New Hampshire's median ZIP code paid $1,365 per policy in 2022, below the national median, with paid loss ratios near 25%.
Independent site, not an insurer or a broker. Treasury figures cover 2018 to 2022 only.
Premium per policy in 2022, New Hampshire (median ZIP code)
$1,365
Average paid per HO-3 or HO-5 policy, inflation-adjusted as published by the Treasury. At September 2026 prices: about $1,818.
| Change from 2018 to 2022, after inflation | +3.5% |
| Premium per policy in 2018 | $1,319 |
| Premium per policy in 2022 | $1,365 |
| 2022 premium carried to September 2026 (BLS index) | $1,818 |
| Policies not renewed by the insurer, 2022 | 0.82% |
| Claims paid per 100 policies, yearly average | 3.0 |
| Average claim paid, 2018 to 2022 (adjusted) | $14,681 |
| Cancelled for nonpayment, 2022 | 1.76% |
Treasury data stop in 2022. The September 2026 figure applies the national BLS price index to the 2022 value, read as 2022 dollars: an estimate, not a quote.
Compiled by Radif Partners · Where the numbers come from · 238 ZIP codes in 10 counties of New Hampshire in the Treasury file · not a quote
New Hampshire homeowners paid $1,365 per policy in the median ZIP code in 2022 in the Treasury file, ranked 33 of 51 and below the national $1,551, after a small rise of +2.6% after inflation. Insurers had calm years: paid claims fell from 3.5 per 100 policies in 2018 to 2.6 in 2022, and the paid loss ratio stayed between 20% and 26%, among the lowest in the country. Rockingham County, on the Seacoast, paid $1,467; Hillsborough County, Manchester and Nashua, $1,355; Grafton County, around Hanover and the White Mountains, $1,244. The dearest ZIP code was 03871 in Rockingham, $5,446, on the shore; the cheapest 03597 in Coos County, the far north. Nonrenewals fell from 1.40% in 2018 to 0.82%. New Hampshire has no FAIR plan for homes. The data stop in 2022.
The Seacoast and the southern tier
Rockingham County had 35 ZIP codes in the file and a median of $1,467 in 2022, up +4.1% after inflation. Its ZIP 03871, Rye and the shore, paid $5,446, and 03854 in Rockingham County $2,630. Coastal homes face nor'easters and the occasional tropical storm. Hillsborough County, the most populous, paid $1,355 after a rise of +3.6%. Southern New Hampshire's suburbs, many built for Boston commuters, sit close to the state median.
Lakes, mountains and the North Country
Carroll County, with Lake Winnipesaukee's eastern shore and the Mount Washington valley, paid $1,380. Grafton County paid $1,244. The cheapest ZIP codes were 03597 and 03570 in Coos County, at $889 and $980. Many lake and mountain houses are seasonal; a policy may limit coverage for freezing or for vandalism when a house stands empty for long periods, so a second home needs the vacancy and heating clauses read carefully.
A New Hampshire winter claim near the deductible
Example, not your result yet· change a figure to see yours
Filing leaves you ahead by
$960
| Claim payment after deductible | $1,800 |
| Extra premium over the period | $840 |
| National median claim paid, 2018 to 2022 | $15,105 |
Low losses, winter claims
New Hampshire's paid loss ratio was 25%, 26%, 20%, 20%, 25% from 2018 to 2022. The average claim, $14,681, was close to the national figure, but claims were rare, 3 per 100 policies a year, ranked 42 of 51. Winter brings most of them: ice dams, frozen pipes, snow load and fallen trees. With so few claims, the claims history of one household stands out more, and a small claim near the deductible may cost more in later premiums than it pays, as the calculator above shows.
Renewals and the regulator
The median nonrenewal rate fell from 1.40% in 2018 to 0.82% in 2022, ranked 29 of 51. Cancellations for nonpayment ran at 1.76%. New Hampshire has no residual market plan for homes listed in the Treasury report. The New Hampshire Insurance Department reviews rates and handles complaints. The claim page has more on small claims.
New Hampshire, year by year
| Year | New Hampshire median ZIP | National median ZIP | Nonrenewal rate | Claims per 100 policies | Paid loss ratio |
|---|---|---|---|---|---|
| 2018 | $1,319 | $1,445 | 1.40% | 3.5 | 25% |
| 2019 | $1,341 | $1,469 | 0.96% | 3.2 | 26% |
| 2020 | $1,355 | $1,491 | 0.85% | 2.7 | 20% |
| 2021 | $1,351 | $1,521 | 1.04% | 2.8 | 20% |
| 2022 | $1,365 | $1,551 | 0.82% | 2.6 | 25% |
The New Hampshire counties with the most ZIP codes in the file
| County | ZIP codes | Median 2018 | Median 2022 | Change | Nonrenewal 2022 | Average claim |
|---|---|---|---|---|---|---|
| Grafton County | 35 | $1,248 | $1,244 | +1.2% | 0.72% | $15,048 |
| Rockingham County | 35 | $1,420 | $1,467 | +4.1% | 0.81% | $15,585 |
| Hillsborough County | 33 | $1,298 | $1,355 | +3.6% | 0.90% | $14,495 |
| Carroll County | 27 | $1,341 | $1,380 | +2.6% | 0.78% | $15,387 |
| Merrimack County | 27 | $1,320 | $1,376 | +2.8% | 0.84% | $14,529 |
| Cheshire County | 24 | $1,353 | $1,375 | +1.9% | 0.84% | $16,014 |
| Strafford County | 16 | $1,256 | $1,303 | +2.4% | 0.90% | $12,703 |
| Sullivan County | 15 | $1,340 | $1,400 | +1.2% | 1.07% | $15,842 |
Highest and lowest premiums per policy, New Hampshire ZIP codes, 2022
| ZIP code | County | Premium per policy | Change since 2018 | Nonrenewal 2022 |
|---|---|---|---|---|
| 03871 | Rockingham County | $5,446 | +41.5% | 0.00% |
| 03854 | Rockingham County | $2,630 | +5.6% | 0.35% |
| 03233 | Merrimack County | $2,459 | +11.9% | 0.00% |
| 03750 | Grafton County | $2,423 | -0.3% | 0.40% |
| 03862 | Rockingham County | $2,219 | +8.5% | 0.56% |
| 03597 | Coos County | $889 | -12.1% | 0.00% |
| 03570 | Coos County | $980 | -3.7% | 1.05% |
| 03868 | Strafford County | $1,004 | +0.2% | 1.00% |
| 03774 | Grafton County | $1,038 | -1.5% | 0.24% |
| 03588 | Coos County | $1,045 | -6.9% | 0.50% |