Home Insurance in Dover, New Hampshire
The median home value in Dover is $436,700, 20% higher than the Strafford County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Dover was built around 1976. About 36% of homes were built before 1960, about 5 points above Strafford County's 31%.
Housing in Dover breaks down to 48% single-family homes, 32% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
65% of owner-occupied homes in Dover carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Dover has an owner-occupancy rate of 53% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 42% of homes in Dover are primarily heated with natural gas.
What's the biggest home insurance risk near Dover? FEMA's National Risk Index points to earthquake (Relatively Low) in Strafford County and Strafford County had 213 active NFIP flood policies as of September 2026. See the full Strafford County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake 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 | $436,700 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Strafford County | 213 |
| 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)