Home Insurance in Carroll County, New Hampshire
The median home value in Carroll County is $388,900, close to the New Hampshire median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Carroll County was built around 1982. About 23% of homes were built before 1960, about 6 points below New Hampshire's 29%.
The housing stock in Carroll County is 81% single-family homes, 7% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 49% of owner-occupied homes in Carroll County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Carroll County has an owner-occupancy rate of 83% and a vacancy rate of 46%; unoccupied homes typically need a different coverage form.
42% of homes in Carroll County are primarily heated with fuel oil. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Carroll County's top hazards are winter weather (Relatively High), hurricane (Relatively Moderate) and inland flooding (Relatively Moderate).
Carroll County had 339 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in New Hampshire carries a statewide average premium of $1,300 per year.
Key figures
| Median home value | $388,900 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Hurricane (Relatively Moderate), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 339 |
| Home insurance premium | $1,300 - statewide average (NAIC, 2023 data) |
Sources
- 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)