Home Insurance in Laconia, New Hampshire
Homes in Laconia carry a median value of $340,300 - 9% lower than the Belknap County median.
The typical home in Laconia was built around 1974. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 38% of homes were built before 1960, about 11 points above Belknap County's 28%.
In Laconia, the housing stock is 64% single-family homes, 17% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
59% of owner-occupied homes in Laconia carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 64% of occupied homes in Laconia are owner-occupied. The vacancy rate is 30%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
43% of homes in Laconia are primarily heated with fuel oil. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Belknap County's overall risk as Relatively Low, led by hurricane (Relatively Low). Belknap County had 234 active NFIP flood policies as of September 2026. See the full Belknap County home insurance overview for all FEMA hazard ratings and flood coverage details.
In New Hampshire, the statewide average premium for a standard HO-3 homeowners policy is $1,300 per year (NAIC, 2023 data).
Key figures
| Median home value | $340,300 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Belknap County | 234 |
| Home insurance premium | $1,300 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)