New Mexico
Home insurance overview — 201 ZIP codes, 169 cities
Avg Premium (2025 Est.)
$1,769
+12.4% from 2022
Nonrenewal Rate
1.24%
5yr Storm Damage
$640.7M
New Mexico Risk Map
Cities
| City | ZIP Codes | Avg Premium | Stress Score | Risk |
|---|---|---|---|---|
| Rowe | 1 | $5,541 | 80 | High |
| Ruidoso | 2 | $2,460 | 79 | High |
| Tatum | 1 | $2,910 | 76 | High |
| Ruidoso Downs | 1 | $1,841 | 75 | High |
| Mora | 3 | $2,361 | 75 | High |
| Melrose | 1 | $2,580 | 74 | High |
| San Cristobal | 1 | $2,093 | 74 | High |
| Texico | 1 | $3,180 | 72 | High |
| Hagerman | 1 | $2,520 | 71 | High |
| East Pecos | 1 | $2,377 | 71 | High |
| Nogal | 1 | $2,464 | 70 | High |
| La Cueva | 1 | $2,077 | 69 | High |
| Taos Ski Valley | 1 | $4,291 | 69 | High |
| Truchas | 1 | $1,975 | 68 | High |
| Red River | 1 | $2,320 | 68 | High |
| Eagle Nest | 1 | $2,065 | 68 | High |
| Jal | 1 | $2,722 | 68 | High |
| Los Cerrillos | 1 | $2,308 | 67 | High |
| Eunice | 1 | $2,727 | 67 | High |
| Capitan | 1 | $1,903 | 67 | High |
| Loving | 1 | $2,463 | 66 | High |
| Roswell | 2 | $2,285 | 66 | High |
| Deer Canyon | 1 | $1,819 | 65 | High |
| Vadito | 1 | $1,966 | 64 | High |
| Ranchos de Taos | 1 | $2,039 | 64 | High |
| Tierra Amarilla | 1 | $1,626 | 64 | High |
| Cedar Crest | 1 | $2,030 | 63 | High |
| Ojo Caliente | 1 | $2,197 | 63 | High |
| North Hobbs | 1 | $3,132 | 63 | High |
| Lake Sumner | 1 | $1,976 | 63 | High |
| Questa | 1 | $1,759 | 62 | High |
| Portales | 1 | $2,782 | 61 | High |
| Alamo | 1 | $1,574 | 61 | High |
| Navajo Dam | 1 | $1,337 | 61 | High |
| Arroyo Seco | 3 | $2,638 | 61 | High |
| Angel Fire | 2 | $2,647 | 61 | High |
| Las Vegas | 1 | $1,943 | 61 | High |
| Clayton | 1 | $2,491 | 60 | Elevated |
| El Rito | 1 | $1,954 | 60 | Elevated |
| Jarales | 1 | $1,700 | 60 | Elevated |
| Springer | 1 | $1,782 | 60 | Elevated |
| Stanley | 1 | $1,745 | 60 | Elevated |
| Peñasco | 1 | $1,842 | 60 | Elevated |
| Logan | 1 | $2,283 | 59 | Elevated |
| Ribera | 1 | $2,542 | 59 | Elevated |
| Conchas Dam | 1 | $1,639 | 59 | Elevated |
| Galisteo | 1 | $2,653 | 59 | Elevated |
| Ute Park | 1 | $2,088 | 59 | Elevated |
| Hobbs | 1 | $2,768 | 58 | Elevated |
| Pie Town | 1 | $1,399 | 58 | Elevated |
| Ponderosa Pine | 1 | $1,925 | 58 | Elevated |
| Ojo Sarco | 1 | $1,550 | 58 | Elevated |
| Clovis | 1 | $2,765 | 57 | Elevated |
| Estancia | 1 | $1,768 | 57 | Elevated |
| Puerto de Luna | 1 | $1,996 | 57 | Elevated |
| Duran | 1 | $1,850 | 57 | Elevated |
| Placitas | 1 | $1,981 | 57 | Elevated |
| Tucumcari | 1 | $2,448 | 57 | Elevated |
| San Felipe Pueblo | 1 | $1,750 | 56 | Elevated |
| Mayhill | 1 | $2,002 | 56 | Elevated |
| Hillsboro | 1 | $1,405 | 56 | Elevated |
| Waterflow | 1 | $1,319 | 56 | Elevated |
| High Rolls | 1 | $1,994 | 56 | Elevated |
| Dixon | 2 | $1,769 | 56 | Elevated |
| Raton | 1 | $2,047 | 55 | Elevated |
| Chama | 1 | $1,753 | 55 | Elevated |
| Cimarron | 1 | $1,745 | 55 | Elevated |
| Pueblo Pintado | 1 | $1,385 | 55 | Elevated |
| Jemez Springs | 1 | $1,640 | 54 | Elevated |
| Tano Road | 1 | $3,667 | 54 | Elevated |
| Flora Vista | 1 | $1,358 | 54 | Elevated |
| Carrizozo | 1 | $1,494 | 54 | Elevated |
| Ponderosa | 1 | $1,489 | 54 | Elevated |
| Arroyo Hondo | 2 | $1,981 | 54 | Elevated |
| Eldorado at Santa Fe | 1 | $1,947 | 54 | Elevated |
| Taos Pueblo | 1 | $2,021 | 54 | Elevated |
| Chili | 1 | $1,812 | 53 | Elevated |
| Cañon | 1 | $1,661 | 53 | Elevated |
| Cloudcroft | 1 | $1,842 | 53 | Elevated |
| Lovington | 1 | $2,881 | 53 | Elevated |
| Midway | 1 | $2,421 | 53 | Elevated |
| La Union | 1 | $1,534 | 52 | Elevated |
| Los Ojos | 1 | $1,585 | 52 | Elevated |
| Los Luceros | 1 | $1,672 | 52 | Elevated |
| Artesia | 1 | $2,735 | 51 | Elevated |
| Mesquite | 1 | $1,279 | 51 | Elevated |
| Edgewood | 2 | $1,857 | 51 | Elevated |
| San Antonito | 1 | $1,406 | 50 | Elevated |
| Thoreau | 1 | $1,198 | 50 | Elevated |
| Chimayo | 1 | $1,634 | 50 | Elevated |
| Cuartelez | 1 | $1,679 | 50 | Elevated |
| Peralta | 1 | $1,643 | 50 | Elevated |
| Gamerco | 1 | $1,365 | 50 | Elevated |
| Peña Blanca | 1 | $1,641 | 49 | Elevated |
| Belen | 1 | $1,442 | 49 | Elevated |
| Carlsbad | 1 | $2,626 | 49 | Elevated |
| Vanderwagen | 1 | $1,391 | 49 | Elevated |
| Apache Creek | 1 | $1,166 | 49 | Elevated |
| Abiquiu | 1 | $1,977 | 48 | Elevated |
| La Plata | 1 | $1,419 | 48 | Elevated |
| Abeytas | 1 | $1,732 | 46 | Elevated |
| Las Nutrias | 1 | $1,581 | 46 | Elevated |
| McIntosh | 2 | $1,502 | 46 | Elevated |
| Santa Fe | 3 | $2,143 | 46 | Elevated |
| Mesilla | 1 | $1,547 | 46 | Elevated |
| Las Palomas | 1 | $1,252 | 46 | Elevated |
| North Hurley | 1 | $1,259 | 46 | Elevated |
| Chamita | 1 | $1,555 | 45 | Elevated |
| Escudilla Bonita | 1 | $1,264 | 45 | Elevated |
| Española | 1 | $1,650 | 45 | Elevated |
| Bluewater Village | 1 | $1,153 | 45 | Elevated |
| Datil | 1 | $1,294 | 45 | Elevated |
| Upper Fruitland | 1 | $1,370 | 45 | Elevated |
| Cliff | 1 | $1,385 | 45 | Elevated |
| Aztec | 1 | $1,283 | 44 | Elevated |
| Timberon | 1 | $1,777 | 44 | Elevated |
| Corrales | 1 | $2,023 | 44 | Elevated |
| Medanales | 1 | $1,811 | 43 | Elevated |
| Sandia Heights | 1 | $2,038 | 43 | Elevated |
| Columbus | 1 | $1,292 | 43 | Elevated |
| Tularosa | 1 | $1,568 | 43 | Elevated |
| Chamberino | 1 | $1,174 | 42 | Elevated |
| Tse Bonito | 1 | $1,083 | 42 | Elevated |
| Hatch | 1 | $1,491 | 42 | Elevated |
| Lemitar | 1 | $1,437 | 42 | Elevated |
| Ramah | 1 | $1,321 | 41 | Elevated |
| Velarde | 1 | $1,863 | 41 | Elevated |
| Kirtland | 1 | $1,251 | 41 | Elevated |
| Alamogordo | 1 | $1,520 | 41 | Elevated |
| La Luz | 1 | $1,705 | 40 | Moderate |
| Los Alamos | 1 | $1,878 | 39 | Moderate |
| Blanco | 1 | $1,423 | 39 | Moderate |
| Oasis | 1 | $1,185 | 39 | Moderate |
| Truth or Consequences | 2 | $1,234 | 39 | Moderate |
| Bosque Farms | 1 | $1,507 | 39 | Moderate |
| Vado | 1 | $1,260 | 39 | Moderate |
| Lordsburg | 1 | $1,316 | 38 | Moderate |
| South Valley | 1 | $1,320 | 38 | Moderate |
| Cochiti Lake | 1 | $1,317 | 37 | Moderate |
| Silver City | 1 | $1,259 | 36 | Moderate |
| Santa Teresa | 1 | $1,369 | 36 | Moderate |
| La Mesa | 1 | $1,403 | 36 | Moderate |
| Santa Ana Pueblo | 1 | $1,253 | 36 | Moderate |
| Shiprock | 1 | $1,074 | 36 | Moderate |
| Chaparral | 1 | $1,518 | 36 | Moderate |
| Farmington | 2 | $1,251 | 34 | Moderate |
| Las Cruces | 6 | $1,299 | 34 | Moderate |
| Albuquerque | 13 | $1,294 | 34 | Moderate |
| Gallup | 1 | $1,233 | 34 | Moderate |
| Alma | 1 | $1,155 | 34 | Moderate |
| Sunland Park | 1 | $1,185 | 33 | Moderate |
| San Lorenzo | 1 | $1,400 | 33 | Moderate |
| Los Lunas | 1 | $1,356 | 33 | Moderate |
| Gila | 1 | $1,202 | 33 | Moderate |
| Pajarito Mesa | 1 | $1,229 | 32 | Moderate |
| Mimbres | 1 | $1,333 | 32 | Moderate |
| Rio Rancho Estates | 1 | $1,275 | 31 | Moderate |
| Bayard | 1 | $1,093 | 31 | Moderate |
| Bloomfield | 1 | $1,221 | 31 | Moderate |
| Socorro | 1 | $1,279 | 31 | Moderate |
| Sunshine | 1 | $1,214 | 30 | Moderate |
| Milan | 1 | $1,124 | 28 | Moderate |
| Santa Clara | 1 | $1,131 | 27 | Moderate |
| Pinos Altos | 1 | $1,167 | 27 | Moderate |
| Arenas Valley | 1 | $1,294 | 27 | Moderate |
| White Rock | 1 | $1,718 | 26 | Moderate |
| Tyrone | 1 | $1,048 | 25 | Moderate |
| Grants | 1 | $1,085 | 25 | Moderate |
| Rio Rancho | 1 | $1,219 | 25 | Moderate |
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Highest Risk ZIPs
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.