Home Insurance in Lebanon, New Hampshire
Homes in Lebanon carry a median value of $385,400 - 12% higher than the Grafton 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 Lebanon was built around 1980. About 27% of homes were built before 1960, in line with Grafton County (28%).
The housing stock in Lebanon is 45% single-family homes, 38% 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.
In Lebanon, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lebanon has an owner-occupancy rate of 51% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Lebanon, 33% 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.
Grafton County had 764 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Grafton County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $385,400 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Grafton County | 764 |
| 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)