Home Insurance in Curry County, New Mexico
The median home value in Curry County is $171,200, 31% lower than the New Mexico median.
The typical home in Curry County was built around 1976. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 23% of homes were built before 1960, about 6 points above New Mexico's 17%.
In Curry County, the housing stock is 77% single-family homes, 6% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 56% of owner-occupied homes in Curry County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 63% of occupied homes in Curry County are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
55% of homes in Curry County are primarily heated with electricity.
Per FEMA's National Risk Index, Curry County's top hazards are wildfire (Relatively Moderate), winter weather (Relatively High) and hail (Relatively Moderate).
Curry County had 215 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in New Mexico is $1,490 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $171,200 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Winter Weather (Relatively High), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 215 |
| Home insurance premium | $1,490 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)