Home Insurance in Coos County, New Hampshire
The median home value in Coos County is $188,900, 53% lower than the New Hampshire median.
The typical home in Coos County was built around 1969. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 43% of homes were built before 1960, about 15 points above New Hampshire's 29%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Coos County is 71% single-family homes, 7% apartments in buildings with 5+ units and 10% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Coos County, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Coos County has an owner-occupancy rate of 74% and a vacancy rate of 32%; unoccupied homes typically need a different coverage form.
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. In Coos County, 68% of homes are primarily heated with fuel oil.
Per FEMA's National Risk Index, Coos County's top hazards are winter weather (Relatively High), inland flooding (Relatively Moderate) and hurricane (Relatively Low).
As of September 2026, Coos County has 111 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $188,900 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Inland Flooding (Relatively Moderate), Hurricane (Relatively Low) |
| Active NFIP flood policies (county) | 111 |
| Home insurance premium | $1,300 - statewide average (NAIC, 2023 data) |
Towns and cities
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)