Home Insurance in Tijeras, New Mexico
Homes in Tijeras carry a median value of $260,600 - 11% lower than the Bernalillo County median.
The typical home in Tijeras was built around 1980. About 27% of homes were built before 1960, about 8 points above Bernalillo County's 19%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Tijeras is 65% single-family homes and 34% mobile or manufactured homes.
39% of owner-occupied homes in Tijeras carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 85% of occupied homes in Tijeras are owner-occupied.
In Tijeras, 47% of homes are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Bernalillo County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. Bernalillo County had 1,214 active NFIP flood policies as of September 2026. See the full Bernalillo County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in New Mexico carries a statewide average premium of $1,490 per year.
Key figures
| Median home value | $260,600 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Bernalillo County | 1,214 |
| Home insurance premium | $1,490 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)