Protection Atlas · State Profile
New Hampshire Protection Profile
New Hampshire ranks #2 of 51 on the Atlas composite. State cost index runs 0.61× the national midpoint, risk-event frequency sits at 13/100, and consumer-protection strength scores 74/100.
Resilience
92
/ 100
Financial Safety
98
/ 100
Protection
93
/ 100
Preparedness
76
/ 100
Retirement
86
/ 100
Business
93
/ 100
State profile
- Auto avg: $1,059 · Home avg: $990 · Term avg: $230
- Min liability: 25/50/25 · No-fault: No · UM required: Yes
- SR-22 fee: $25 · Cost index: 0.61 · Friendliness: 100/100
Protection challenges
- Winter peril concentration affects property and life logistics
Major risk factors
- Winter storm and ice-dam exposure
- Power-loss durations exceed national average
Family security insights
In New Hampshire, family protection planning is shaped by tort-based auto rules, mandatory uninsured-motorist coverage, and a state cost index of 0.61× the national midpoint. Term-life pricing tracks a 0.96× regional factor for healthy 35-year-olds.
Retirement security insights
Retirement resilience in New Hampshire is supported by a consumer-protection score of 74/100 and a friendliness composite of 100/100. Longevity risk and healthcare-cost growth remain the dominant pressures regardless of state, with LTC pricing tracking national averages closely.
Preparedness notes
New Hampshire households face extended-outage and frozen-pipe exposure. Generator + interlock and pre-winter inspections are foundational.