Home Insurance in Strafford County, New Hampshire
Homes in Strafford County carry a median value of $362,800 - 10% lower than the New Hampshire median.
The typical home in Strafford County was built around 1979. About 31% of homes were built before 1960, about 2 points above New Hampshire's 29%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Strafford County, the housing stock is 59% single-family homes, 19% apartments in buildings with 5+ units and 8% 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.
About 61% of owner-occupied homes in Strafford County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 67% of occupied homes in Strafford County are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
43% of homes in Strafford County 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.
The top hazards for Strafford County, per FEMA's National Risk Index, are earthquake (Relatively Low), hurricane (Relatively Low) and inland flooding (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Strafford County has 213 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $362,800 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Hurricane (Relatively Low), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 213 |
| 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)