Home Insurance in De Baca County, New Mexico
The median home value in De Baca County is $187,500, 24% lower than the New Mexico median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in De Baca County was built around 1977. About 30% of homes were built before 1960, about 14 points above New Mexico's 17%.
In De Baca County, the housing stock is 75% single-family homes and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 47% of owner-occupied homes in De Baca County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
De Baca County has an owner-occupancy rate of 71% and a vacancy rate of 35%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 49% of homes in De Baca County are primarily heated with electricity.
Per FEMA's National Risk Index, De Baca County's top hazards are wildfire (Relatively Low), winter weather (Very Low) and inland flooding (Very Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, De Baca County has 1 active NFIP flood policy on file.
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 | $187,500 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Winter Weather (Very Low), Inland Flooding (Very Low) |
| Active NFIP flood policies (county) | 1 |
| 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)