Home Insurance in Los Alamos County, New Mexico
The median home value in Los Alamos County is $495,800, 100% higher than the New Mexico median.
The typical home in Los Alamos County was built around 1974. About 25% of homes were built before 1960, about 8 points above New Mexico's 17%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Los Alamos County, the housing stock is 72% single-family homes, 16% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 66% of owner-occupied homes in Los Alamos County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Los Alamos County has an owner-occupancy rate of 75% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
82% of homes in Los Alamos County are primarily heated with natural gas.
The top hazards for Los Alamos County, per FEMA's National Risk Index, are wildfire (Relatively Low), earthquake (Very Low) and winter weather (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Los Alamos County has 19 active NFIP flood policies on file.
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 home value | $495,800 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Earthquake (Very Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 19 |
| Home insurance premium | $1,490 - statewide average (NAIC, 2023 data) |
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)