Home Insurance in Claremont, New Hampshire
The median home value in Claremont is $204,600, 24% lower than the Sullivan County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Claremont was built around 1957. About 54% of homes were built before 1960, about 18 points above Sullivan County's 36%.
The housing stock in Claremont is 54% single-family homes, 23% apartments in buildings with 5+ units and 10% 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.
61% of owner-occupied homes in Claremont carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Claremont has an owner-occupancy rate of 57% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Claremont, 57% of homes are primarily heated with fuel oil. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Sullivan County had 127 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). See the full Sullivan County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $204,600 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Sullivan County | 127 |
| 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)