InsureWatch

03304

Moderate32

Concord, New Hampshire — Merrimack County

Pop. 8,235Median Income $147,951Median Home $401,900
0/ 100Moderate Risk

2025 Estimated Premium

$1,650/yr

+11.6% from 2022 actual ($1,478)

Projected using FRED CPI for Household Insurance, adjusted for this ZIP's historical trend. Not a quote.

Avg Premium (2022)

$1,478

+0.8%

2018–2025

Nonrenewal Rate

0.59%

2018–2022

Claim Frequency

3.9%

Avg Claim Amount

$12,312

Score Breakdown

Premium Level (25%)45
Premium Trend (20%)54
Nonrenewal Risk (20%)25
Storm Exposure (15%)16
Affordability (10%)1
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201835 events
Property damage$0
1 tornado3 hail7 flood
19
20194 events
Property damage$0
3 flood
20
202013 events
Property damage$0
3 hail2 flood
21
202114 events
Property damage$90,000
4 hail4 flood
22
202214 events
Property damage$45,000
3 hail5 flood
23
202312 events
Property damage$0
1 hail10 flood
24
202413 events
Property damage$0
4 hail
25
202523 events
Property damage$4,100
8 hail4 flood

Nearby ZIP Codes

03046Goffstown, NH
32Moderate
03106South Hooksett, NH
29Moderate
03275Suncook, NH
31Moderate
03301Concord, NH
30Moderate
03045Goffstown, NH
32Moderate

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Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.