Newington, NH Home Insurance

By Jon Merwin, Founder and CEO

Home · Flood · Condo · Renters · Umbrella · Newington, New Hampshire

Portsmouth Atlantic Insurance is an independent agency founded in 2005 and licensed in 10 states. We are the most-reviewed independent insurance agency in New Hampshire, with 1,000+ Google reviews and over 2,000 testimonials across our two offices. We shop each Newington home across 40+ carriers. Start with New Hampshire homeowners insurance, or read on.

Newington at a glance

The U.S. Census Bureau estimates 847 Newington residents as of July 1, 2025. The town’s Hazard Mitigation Plan Update 2025, prepared with the Rockingham Planning Commission and adopted December 17, 2024, cites a 2020 census count of 811, a median age of 52 and median household income of $145,987 on 12.5 square miles (8.2 land, 4.2 water).

The plan says Newington is bound by Great Bay, Little Bay and the Piscataqua River, and is home to the Great Bay National Wildlife Refuge, Portsmouth International Airport at Pease, the NH National Guard, Piscataqua industrial sites, and retail at Fox Run Mall, the Crossings at Fox Run and shops along the Spaulding Turnpike (Route 16). Between 2019 and 2023 the building inspector issued 101 commercial and 187 residential permits. Shoreline houses, village homes on Nimble Hill Road and Pease/Fox Run commuter households all need a policy built around how the house is used, heated and reached in a storm.

Where you live in Newington changes the policy

• Great Bay and Little Bay shoreline. The plan lists west and southwest shoreline parcels and neighborhoods such as Fox Point Road, Fabyan Point, Welsh Cove, Brickyard Circle, Hodgdon Farm, Swan Island Lane, Gundalow Landing and Dumpling Cove as flood-vulnerable. Docks and outbuildings often need their own limits.
• Patterson Lane and the Piscataqua waterfront. The plan names storm surge at the end of Patterson Lane, River Road commercial property, and Great Bay Marine and its low-lying lands.
• Fox Run and Pease / Route 16. Retail at Fox Run and the Pease Tradeport sit next to the Spaulding Turnpike. Nearby homes still need a homeowners form that matches roof age, wiring and heating.
• Village and Nimble Hill Road. The plan says the village has only three ways out, and two use Nimble Hill Road. On April 4, 2024, pines fell across Nimble Hill in two places, taking down lines and leaving only Newington Road as an exit. Tell us how you reach the house in a storm.

Flood coverage in Newington

The plan ranks the probability of flooding as high. It says flooding is the most common hazard impacting Newington, that culvert work since the 2019 plan has prevented known community-wide flood impacts since that update, and that steep shoreline keeps coastal flooding from causing known damage. Still, the Committee lists chronic or high-potential spots that matter for a policy review: Newington Road at Kennard Pond; the Little Bay Road culvert at Captains Landing; Fox Point Road, Fabyan Point, Welsh Cove, Brickyard Circle, Hodgdon Farm, Swan Island Lane, Gundalow Landing and Dumpling Cove; the Nimble Hill Road culvert north of the Elementary School; Spaulding Turnpike at Shattuck Way and Lower Pickering Brook; storm surge at the end of Patterson Lane; River Road waterfront; Great Bay Marine; and Shattuck Way at Bloody Point under the Turnpike.

Newington joined the Regular Program of the NFIP on July 27, 2006. The current FIRM and Flood Insurance Study are dated January 1, 2021. The plan’s July 2023 NFIP table lists four single-family policies ($941,000 of coverage), zero paid losses since 1978 and no repetitive-loss properties. Table 1 lists zero structures in Zones A, AE, AO and VE, so most Newington flood questions are about locally mapped chronic spots and surface water, not a mapped AE zone on the house itself.

A homeowners policy will not pay for a bay or river over its banks, or for surface water. Flood is its own policy. Check your address on the FEMA Flood Map Service Center and ask us to compare NFIP and private flood options.

• NFIP through Selective. We write National Flood Insurance Program policies through Selective, a Write Your Own carrier. The NFIP covers up to $250,000 for the building and $100,000 for contents. New policies generally have a 30-day waiting period (see FloodSmart), so buy before storm season, not during it.
• Private flood. When a home costs more than the NFIP building limit to rebuild, or you want coverage the NFIP leaves out, we compare Flow Flood, Neptune Flood, Beyond Floods, The Flood Insurance Agency, CatCoverage and Aon Edge. Each one decides address by address.
• Elevation certificates. If you have one, send it. If the house has been raised or has flood vents, it can make a real difference in how flood carriers rate it.

See our flood insurance overview and our Seacoast NH flood insurance guide. Water backup (sewer, drain or sump pump failure) is an add-on to homeowners; flood is separate. If your basement is finished, ask about both. See basement flooding coverage and our flood insurance overview.

Wind, nor’easters and winter

The plan ranks hurricane and high-wind probability as high. Hurricanes Sandy and Irene caused localized flooding and power loss; high-wind events in 2010, 2014 and 2016 brought outages and downed trees; tropical-storm rains in 2017, 2018 and 2020 flooded roads; and wind with nor’easters in March 2023, March 2024 and April 2024 blocked access near the Library and Spaulding Turnpike.

Severe winter weather also ranks high. The plan counts six severe winter storms in recent memory, including March 19, 2013 (48 hours of snow removal), 2015, two 2018 nor’easters, December 2022 (dock damage), two March 2023 nor’easters, and April 4, 2024 on Nimble Hill Road. Extended outages and loss of heat for elderly residents are a stated concern.

Winter, trees and wind in Newington

New Hampshire winters bring ice dams, frozen pipes and heavy snow loads, and storms bring down trees and limbs. These are generally homeowners claims, subject to your deductible and policy terms. A properly sized wind and all-perils deductible, and a roof in good shape, do more for most homeowners than any single add-on. Water damage from a burst pipe is usually covered when the home is heated and occupied; long vacancies can change that, so tell us if the house will sit empty.

Larger homes

Under about $2 million, most of our 40+ carriers are in play. In New Hampshire, Andover generally writes up to about $1.5 million, or closer to $1 million for homes far from a hydrant or fire station. Around $2 million to $3 million, Hanover is often a fit; above $3 million, Cincinnati; and at $5 million and up, Chubb. Each carrier underwrites the specific house, so these are starting points, not promises.

See high-value home insurance in New Hampshire and coastal home insurance in New Hampshire.

Condos, rentals and older homes

Your HO-6 condo policy covers what the association’s master policy does not. See condo insurance in New Hampshire. If you rent out a house, you need a dwelling or landlord policy; for New Hampshire landlord and habitational placements we work with Vermont Mutual, Andover, Safety, Concord Group and Providence Mutual. On an older village home, carriers will ask about the roof, heating, wiring and plumbing.

Renters and tenants in Newington

If you rent in Newington, your landlord’s policy covers the building, not your belongings or your liability. A renters policy covers both, plus extra living costs after a covered loss. We shop renters coverage across our carriers, and Progressive Home is one of them; we use Progressive Home for renters policies only. Landlords who own two- to four-family buildings can see landlord insurance.

Auto, umbrella and the rest of the household

Most Newington households also need auto insurance, and many add a personal umbrella. We quote them with the home so the liability limits line up, and we put rentals, second homes, boats and valuables under the same review. One agent, one renewal conversation.

Common coverage gaps we see in Newington

• A dwelling limit based on the purchase price or assessed value instead of the cost to rebuild
• No water backup coverage on a house with a finished basement
• Personal property limits that have not kept up with what the household actually owns
• Liability limits on the home and auto that do not line up with an umbrella, or no umbrella at all
• No ordinance or law coverage on an older home that would need code upgrades after a loss
• No flood policy on a Great Bay or Little Bay shoreline home, or near Patterson Lane or Fox Point
• A dwelling limit based on tax assessment instead of rebuild cost on a Pease-area or shoreline house
• Nimble Hill or village access issues left off the application when the carrier asks how the house is reached

Most of these are straightforward to fix once someone reads the declarations pages side by side, and that is the first thing we do in a review.

Before storm season in Newington

• Know your hurricane or named storm deductible in dollars, not just as a percentage
• Photograph or video each room so a contents claim is easier to document
• Keep your declarations pages, flood policy and any elevation certificate somewhere you can reach from your phone
• If you are thinking about flood coverage, buy it well ahead of a storm because of the waiting period
• If you live on Fox Point, Patterson Lane or along the bay, keep an elevation certificate and any prior flood quotes where you can reach them from your phone
• Know which of the three village exits you would use if Nimble Hill Road is blocked

Buying a home in Newington

Start the insurance conversation before you are under contract, not the week of closing. Send us the listing and the inspection report when you have it. The report answers most of what carriers ask: roof age, electrical panel, heating, plumbing and any water in the basement. On the Great Bay or Little Bay shoreline, ask about docks, outbuildings, any elevation certificate and the seller’s flood history. Near Fox Run or Pease, ask about roof age and whether the house sits near a locally mapped flood spot on the town plan. We line up the homeowners binder, and a flood binder if you need one, so both are ready for your lender.

How a Newington home quote works

• Tell us about the house: address, year built, square footage, roof age and updates to wiring, plumbing and heating.
• Send your current declarations page so we can compare like for like and point out limits that look short.
• We shop the carriers that fit and lay the options out side by side, with the differences in coverage, deductibles and storm terms, not just price.
• You choose, and we handle the switch, including your mortgage company and the effective date, so there is no gap.

Serving Newington from Portsmouth

Our office is at 601 Islington St, Unit 206, Portsmouth, NH 03801, and we work with Newington clients by phone, email and online. Call (603) 431-4020. Next door, see our Portsmouth, Dover, Durham, Greenland, Madbury and Lee pages.

Sources

• Town of Newington, Hazard Mitigation Plan Update 2025 (Rockingham Planning Commission; FEMA-approved)
• Town of Newington, Hazard Mitigation Plan Update 2024 (RPC working copy)
• U.S. Census Bureau, Vintage 2025 subcounty population estimates
• FEMA Flood Map Service Center
• FloodSmart, buying a flood policy

Get a quote

Tell us about the property and we will compare carriers and follow up with options. Prefer to talk? Call (603) 431-4020.

Frequently asked questions

Do you insure homes in Newington, NH?

Yes. We insure Newington homes from our Portsmouth office at 601 Islington St, and by phone, email and online. Call (603) 431-4020.

Does Newington flood?

Some roads and shoreline spots do. The town’s 2025 hazard mitigation plan ranks flooding probability as high and lists Fox Point Road, Patterson Lane, Nimble Hill Road, Shattuck Way, Newington Road at Kennard Pond and other local spots. It also reports four NFIP policies, no paid losses and no repetitive-loss properties as of July 2023. Check your address on the FEMA Flood Map Service Center.

Does homeowners insurance cover a flooded basement?

Not from flood. Water backup from sewers, drains or a sump pump is an add-on, and rising or surface water needs a flood policy.

Who writes your NFIP flood policies?

We write NFIP policies through Selective, and we compare private flood from Flow Flood, Neptune Flood, Beyond Floods, The Flood Insurance Agency, CatCoverage and Aon Edge.

Do you charge fees?

No. We don’t charge fees on any policy we write, including homeowners, condo, renters, landlord, dwelling and auto.