Home Insurance in Santa Rosa, New Mexico
The median home value in Santa Rosa is $111,600, close to the Guadalupe County median.
The typical home in Santa Rosa was built around 1978. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 28% of homes were built before 1960, about 7 points below Guadalupe County's 35%.
The housing stock in Santa Rosa is 49% single-family homes, 5% apartments in buildings with 5+ units and 36% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 32% of owner-occupied homes in Santa Rosa have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 67% of occupied homes in Santa Rosa are owner-occupied. The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Santa Rosa, 44% of homes are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Guadalupe County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Guadalupe County had 2 active NFIP flood policies as of September 2026. See the full Guadalupe County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $111,600 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Guadalupe County | 2 |
| 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)