Home Insurance in Rockingham County, New Hampshire
With a median home value of $497,500, Rockingham County is 24% higher than the New Hampshire median.
The typical home in Rockingham County was built around 1983. About 22% of homes were built before 1960, about 7 points below New Hampshire's 29%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Rockingham County, the housing stock is 73% single-family homes, 16% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Rockingham County, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 78% of occupied homes in Rockingham County are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Rockingham County, 42% 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.
FEMA's National Risk Index lists coastal flooding (Relatively High), inland flooding (Relatively Moderate) and earthquake (Relatively Low) as the leading hazards for Rockingham County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Rockingham County has 3,731 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 | $497,500 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top hazards (FEMA National Risk Index) | Coastal Flooding (Relatively High), Inland Flooding (Relatively Moderate), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 3,731 |
| 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)