Nashua Home Insurance Costs (2026)

How much is homeowners insurance in Nashua?

Homeowners insurance in the 4 Nashua ZIP codes we priced averages $106 a month for the house we priced, with rates as of Sept. 30, 2026. The 5 major insurers we compared are Amica, Concord Group Insurance, State Farm, Allstate and Liberty Mutual, and each one priced our sample home in all 4 of those ZIP codes, in Hillsborough County. That’s below the New Hampshire average of $107 a month.

Small sample: this guide is based on 4 Nashua ZIP codes (03060, 03062, 03063 and 03064), all the Nashua ZIP codes in our rate data. Our New Hampshire home insurance page covers 80 ZIP codes across the state, where the same house averages $107 a month, 1.4% more than in these 4 ZIP codes.

Our figures are for a $300,000 dwelling, which works out to about $4.23 a year for each $1,000 of dwelling coverage in these 4 ZIP codes; insuring a larger or costlier house for more usually costs more, though not always in step with the limit.

For the same insurers and ZIP codes, the Nashua average rose 0.6% since Nov. 2025, from $1,260 a year ($105 a month) on Nov. 30, 2025, to $1,269 ($106) on Sept. 30, 2026, as State Farm’s rose 3.3% and the other insurers’ prices didn’t change.

Homeowners insurance averages by insurer in Nashua for our sample home (rates as of Sept. 30, 2026)

Amica averaged $76 a month ($911 a year), Concord Group Insurance $96 ($1,153), State Farm $105 ($1,257), Allstate $115 ($1,375) and Liberty Mutual $137 ($1,647) for our sample home.

Same sample home: each insurer’s average yearly price in the same Nashua ZIP codes, Nov. 30, 2025 and Sept. 30, 2026

All 5 insurers in the table priced the same 4 Nashua ZIP codes on both dates.

By ZIP code: each insurer’s yearly price for the same house changed with the Nashua address:

• Amica charged $911 a year in every Nashua ZIP code it priced.
• Concord Group Insurance ran from $1,102 a year in 03063 to $1,188 in 03060.
• State Farm ran from $1,246 a year in 03062 to $1,279 in 03060.
• Allstate ran from $1,355 a year in 3 ZIP codes, including 03062, to $1,433 in 03060.
• Liberty Mutual ran from $1,634 a year in 03063 to $1,664 in 03060.

Against each insurer’s statewide price: for the same house, here is how each insurer’s Nashua average compares with its own average across the New Hampshire ZIP codes it priced:

• Amica: $911 a year in Nashua, 4.8% more than its New Hampshire average of $870.
• Concord Group Insurance: $1,153 a year in Nashua, 4.0% less than its New Hampshire average of $1,201.
• State Farm: $1,257 a year in Nashua, 1.0% more than its New Hampshire average of $1,245.
• Allstate: $1,375 a year in Nashua, about the same as its New Hampshire average of $1,370.
• Liberty Mutual: $1,647 a year in Nashua, 5.5% less than its New Hampshire average of $1,743.

Who has the cheapest homeowners insurance in Nashua?

Amica had the lowest home average for our sample home of the insurers anyone can buy from, $76 a month ($911 a year), 21.0% below Concord Group Insurance’s $1,153 a year, the next of those insurers. It may not be the lowest for your house, so compare a few quotes.

What changes your price: where the house sits, its value, age and roof, your deductibles, claims and credit, and whether you add a car. In Nashua, ZIP code averages for this house ran from $104 to $108 a month, while insurers’ Nashua averages ran from $76 to $137.

If prices stayed where they are today, the $736-a-year gap between the lowest and highest averages among the insurers anyone can buy from in Nashua would add up to $3,680 over five years for this house.

Same house, different city: how does Nashua compare?

Manchester, the other New Hampshire city with a local guide like this one, averages $109 a month in the 4 Manchester ZIP codes we priced. For renters and condo owners, the 4 Nashua ZIP codes average $184 and $376 a year, against $194 and $370 in Manchester.

Same sample home: average home insurance prices in Nashua, other New Hampshire cities in our data and the state (rates as of Sept. 30, 2026)

Each city covers the ZIP codes in our rate data with that city as their main mailing address; every row prices the same house.

Against the average of the 50 states and D.C. ($258 a month), our sample home costs 59.1% less to insure in the 4 Nashua ZIP codes we priced.

For the statewide picture, see home insurance costs in New Hampshire and Manchester home insurance costs.

Compare all states: home insurance costs for the same house in all 50 states and D.C.

Is flood covered, and how common is flood insurance in Nashua?

Flood damage isn’t covered by a standard home, renters or condo policy at all; it needs a separate flood policy.

As of August 3, 2026, Hillsborough County had 751 residential flood insurance policies in force under the National Flood Insurance Program, covering about 0.7% of its 106,435 residential structures, and 439 of the 1,273 residential structures in the mapped high-risk flood zone (34.5%) were covered, according to FEMA’s OpenFEMA NFIP residential penetration rates.

The City of Nashua joined FEMA’s Community Rating System in May 2017 and is rated Class 8, which takes 10% off flood insurance premiums in mapped high-risk flood zones and 5% elsewhere, according to FEMA’s NFIP Community Status Book.

Nashua’s 2019 hazard mitigation plan update counts 341 primary buildings at risk of flooding, and 81 structures in or partly in the 1% annual chance floodplain with no flood insurance policy, according to the City of Nashua Hazard Mitigation Plan.

The Merrimack River at Nashua crested at 26 feet on May 15, 2006, reaching the 26-foot moderate flood stage and ranking third on record, according to the National Weather Service.

On April 17, 2007, the Merrimack River at Nashua crested at 23.5 feet, well above the 18-foot minor flood stage, according to the National Weather Service.

A new flood policy through the National Flood Insurance Program usually takes 30 days to start, so buying one when water is already rising is too late. FEMA’s flood map service (msc.fema.gov) shows whether a Nashua address sits in a mapped high-risk flood zone, where a mortgage lender will usually require flood insurance.

How much is homeowners insurance on a $300,000 house in Nashua?

For a house with $300,000 of rebuilding coverage and a $1,000 deductible, homeowners insurance in the 4 Nashua ZIP codes we priced averages $106 a month ($1,269 a year) across the 5 insurers we compared (rates as of Sept. 30, 2026). That’s 1.3% below the $107-a-month New Hampshire average for the same house. Insurers’ averages for that same house ran from $76 to $137 a month.

What is the 80% rule in homeowners insurance?

The New Hampshire Insurance Department explains that many policies reduce a partial-loss payment if you insure for less than 80% of your home’s replacement cost, the cost to rebuild it. For our $300,000 sample house, that’s at least $240,000, so check your limit against a current rebuilding cost, not the home’s market value.

What if an insurer won’t renew your Nashua home?

In New Hampshire, a homeowners policy can’t be nonrenewed only because you filed a single valid claim, the New Hampshire Insurance Department says. Read the notice and your policy’s own cancellation and nonrenewal terms, then start shopping right away. If a notice doesn’t make sense to you, or you need help with a claim, call the New Hampshire Insurance Department at 603-271-2261.

In our data, every insurer we compared priced our sample home in all 4 Nashua ZIP codes.

How much is condo insurance in Nashua?

Condo insurance for our sample condo averages $31 a month ($376 a year) in the 4 Nashua ZIP codes we priced. For our sample condo, prices among the 5 insurers we compared ranged from $20 to $45 a month, a $25-a-month gap for the same coverage.

Condo insurance averages by insurer in Nashua for our sample condo (rates as of Sept. 30, 2026)

Amica averaged $20 a month ($237 a year), Liberty Mutual $30 ($362), State Farm $30 ($364), Concord Group Insurance $32 ($383) and Allstate $45 ($534) for our sample condo.

We don’t name a lowest condo insurer in Nashua (the methodology explains when we do); the condo table above lists every insurer’s average for the same condo, from $20 to $45 a month.

The condo average in the 4 Nashua ZIP codes we priced is 1.2% below the New Hampshire condo average of $380 a year ($32 a month) and 21.9% below the average of the 50 states and D.C., $481 a year ($40 a month). Our sample condo’s policy costs about 30% of what our sample home costs to insure in the 4 Nashua ZIP codes we priced.

For the same insurers and ZIP codes, the Nashua condo average rose 3.0% since Nov. 2025, from $30 to $31 a month, as State Farm’s rose 7.4%, Allstate’s rose 5.7% and the other insurers’ prices didn’t change.

Against each insurer’s statewide condo price (yearly, for our sample condo in the 4 Nashua ZIP codes we priced):

• Amica: $237 a year here, 0.8% less than its New Hampshire average of $239.
• Liberty Mutual: $362 a year here, the same as its New Hampshire average.
• State Farm: $364 a year here, about the same as its New Hampshire average of $365.
• Concord Group Insurance: $383 a year here, 5.5% less than its New Hampshire average of $405.
• Allstate: $534 a year here, 0.6% more than its New Hampshire average of $531.

Our sample condo is a 2,000-square-foot unit in a building built in 2005, with $60,000 of coverage for the unit, $60,000 for belongings, $300,000 liability and a $1,000 deductible. The owner is 40, single, has good credit and no claims in 10 years.

• $60K unit coverage
• $60K belongings
• $1,000 deductible
• Built 2005

Which part of a Nashua condo is yours to insure?

The association’s master policy covers the building, and your condo policy covers what the declaration and master policy leave to you. In our sample policy, $60,000 covers the inside of the unit and $60,000 your belongings, and that package averages $31 a month in the 4 Nashua ZIP codes we priced.

Before you buy, ask the association for its master policy and deductible; see condo insurance in New Hampshire for what to check.

Official resources for Nashua homeowners

• City of Nashua Waterways The city’s page on the Merrimack and Nashua Rivers, with its flood zone web map for checking whether a home is in a floodplain.
• City of Nashua Hazard Mitigation Plan 2024 Update Nashua’s adopted plan for reducing flood, storm and other hazard damage, including its flood insurance and floodplain data.
• NWS Merrimack River at Nashua gauge The National Weather Service river level gauge for Nashua, with flood stages and the list of past crests.
• New Hampshire Insurance Department Consumer help, complaints and licensed insurers. Consumer line: 603-271-2261.
• FEMA disaster page The federal disaster declaration (July 9-17, 2023).
• National Association of Insurance Commissioners: homeowners guide Coverage basics and the 80% rule.
• FEMA Flood Map Service Center The official source for FEMA flood maps.
• FloodSmart FEMA’s site for the National Flood Insurance Program.