Home Insurance in Concord, New Hampshire
With a median home value of $350,900, Concord is close to the Merrimack County median.
The typical home in Concord was built around 1969. About 43% of homes were built before 1960, about 10 points above Merrimack County's 33%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Concord is 47% single-family homes, 28% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 64% of owner-occupied homes in Concord have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Concord are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Concord, 50% of homes are primarily heated with natural gas.
FEMA rates Merrimack County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Merrimack County had 413 active NFIP flood policies as of September 2026. See the full Merrimack County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners 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 | $350,900 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Merrimack County | 413 |
| 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)