Home Insurance in Fort Sumner, New Mexico
The typical home in Fort Sumner was built around 1982. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 23% of homes were built before 1960, about 7 points below De Baca County's 30%.
The housing stock in Fort Sumner is 79% single-family homes, 1% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
57% of owner-occupied homes in Fort Sumner carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Fort Sumner has an owner-occupancy rate of 84% and a vacancy rate of 30%; unoccupied homes typically need a different coverage form.
Most homes in Fort Sumner - 54% - are primarily heated with electricity.
De Baca County had 1 active NFIP flood policy as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full De Baca County home insurance overview for all FEMA hazard ratings and flood coverage details.
In New Mexico, the statewide average premium for a standard HO-3 homeowners policy is $1,490 per year (NAIC, 2023 data).
Key figures
| Median year built | 1982 |
|---|---|
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in De Baca County | 1 |
| 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)