New Hampshire Home-Insurance Distress by County

Home-insurance distress across New Hampshire is below the national average, with an average county insurance-distress score of 26/100 — the 29th-highest of the 52 states and territories DLRadar scores. Every one of New Hampshire's 10 counties is monitored for coverage pressure — the force that pushes owners to list before any default shows.

Statewide, the pressure is driven by an average FEMA hazard score of 20/100 and average NFIP flood-claim stress of 38/100 — the exposures carriers price against and increasingly decline to renew, and why New Hampshire premiums climb faster than incomes.

The New Hampshire average is a starting filter; because insurance distress clusters, the counties at the top of the table below are where owner behavior actually shifts, and where DLRadar focuses parcel-level tracking.

The sharpest pressure concentrates in Grafton County (67/100, #663 nationally) and Rockingham County. All New Hampshire counties are listed below in distress order, each one clickable for the detail.

The takeaway for New Hampshire is that insurance is now an acquisition signal in its own right — not a footnote to the mortgage — and the county table lets you act on it market by market.

Across New Hampshire, the insurance read is layered with foreclosure, bank-stress and ownership signals on the same parcels, so a rising premium and a looming default show up together rather than in isolation.

Because New Hampshire is rebuilt monthly from fresh FEMA, NFIP and carrier inputs, its #29 national rank and county order move with actual conditions, not a fixed snapshot.

New Hampshire's three-year flood-loss record — 260 claims, $10,339,320 paid — is the evidence carriers cite for pullback.

Underneath the New Hampshire headline sit three separable layers — hazard exposure, flood-loss history and carrier pullback — each scored on its own before rolling up, so the state number describes a mix of risks rather than a single cause.

DLRadar scores insurance distress monthly for every U.S. county from FEMA, NFIP and carrier-pressure data, then ties it to parcel-level foreclosure, tax-lien and ownership signals. That surfaces New Hampshire's insurance-squeezed sellers ahead of the market.