Home Insurance in Vaughn, New Mexico
Homes in Vaughn carry a median value of $34,300 - 69% lower than the Guadalupe County median.
The typical home in Vaughn was built around 1961. About 49% of homes were built before 1960, about 14 points above Guadalupe County's 35%. 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 Vaughn is 72% single-family homes, 7% apartments in buildings with 5+ units and 20% mobile or manufactured homes.
In Vaughn, about 8% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Vaughn has an owner-occupancy rate of 71% and a vacancy rate of 34%; unoccupied homes typically need a different coverage form.
Most homes in Vaughn - 51% - 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.
What's the biggest home insurance risk near Vaughn? FEMA's National Risk Index points to wildfire (Relatively Low) in Guadalupe County and 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.
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 | $34,300 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 8% |
| 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)