Home Insurance in Keene, New Hampshire
The median home value in Keene is $252,500, 10% lower than the Cheshire County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Keene was built around 1961. About 49% of homes were built before 1960, about 11 points above Cheshire County's 38%.
In Keene, the housing stock is 50% single-family homes, 26% 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.
About 56% of owner-occupied homes in Keene have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 55% of occupied homes in Keene are owner-occupied.
In Keene, 54% of homes 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.
Cheshire County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Cheshire County had 325 active NFIP flood policies as of September 2026. See the full Cheshire County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in New Hampshire is $1,300 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $252,500 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Cheshire County | 325 |
| 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)