New Hampshire variant. This is a New Hampshire-specific version of the Homeowners Insurance Estimator, using pre-defined local figures (tax rates, median home and income values, and typical regional costs). For the full formula, methodology, and FAQ, open the main Homeowners Insurance Estimator.
Homeowners insurance in New Hampshire typically runs about 0.30%–0.40% of home value per year. On the $470,000 median home, that's roughly $1,645 annually.
What New Hampshire homeowners insurance covers
Premiums fund dwelling coverage, personal property, liability, and loss of use. New Hampshire's $470,000 median home value sets the baseline dwelling coverage and therefore the premium.
Local risk - wildfire, hurricane, hail, flood - drives big swings. Flood is separately insured. Use the estimator to refine the New Hampshire average for your build cost and deductible.
About taxes and housing in New Hampshire
New Hampshire imposes no tax on earned wage income and no general sales tax, though it has historically taxed certain interest and dividend income.
New Hampshire relies heavily on property taxes, with one of the highest effective rates in the nation near 1.9%, and median home values around $470,000.
New Hampshire's economy benefits from its proximity to Boston, with strengths in manufacturing, technology, and cross-border retail spending.
Worked example: $470,000 home
$470,000 × 0.35% ≈ $1,645/year ($137/month). Replacement-cost coverage, not market value, ultimately sets the premium - land value is excluded.
Quick reference
- State income tax: No income tax on wages (3% on interest/dividends, phasing out)
- State sales tax: 0% (plus 0.00% avg local)
- Median home value: $470,000
- Median household income: $90,845
- Effective property tax rate: 1.93%
- Avg auto insurance: $1,064/yr
Frequently Asked Questions
How much is homeowners insurance in New Hampshire?
Roughly $1,645/year on the $470,000 median home, varying with local catastrophe risk.
Does homeowners insurance cover floods in New Hampshire?
No - flood coverage is purchased separately through the NFIP or private insurers.