Home Insurance in Berlin, New Hampshire
The median home value in Berlin is $131,000, 31% lower than the Coos County median.
The median home in Berlin was built in 1939 or earlier. About 75% of homes were built before 1960, about 32 points above Coos County's 43%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Berlin is 55% single-family homes, 13% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
45% of owner-occupied homes in Berlin carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 63% of occupied homes in Berlin are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Berlin - 77% - are primarily heated with fuel oil.
FEMA rates Coos County's overall risk as Relatively Low, led by winter weather (Relatively High). Coos County had 111 active NFIP flood policies as of September 2026. See the full Coos 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 | $131,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Coos County | 111 |
| 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)