Home Insurance in San Jon, New Mexico
The typical home in San Jon was built around 1983. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 26% of homes were built before 1960, about 14 points below Quay County's 40%.
The housing stock in San Jon is 61% single-family homes and 39% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 19% of owner-occupied homes in San Jon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
San Jon has an owner-occupancy rate of 93% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
49% of homes in San Jon are primarily heated with propane. Homes heated with propane 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 San Jon? FEMA's National Risk Index points to wildfire (Relatively Low) in Quay County and Quay County had 5 active NFIP flood policies as of September 2026. See the full Quay 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 year built | 1983 |
|---|---|
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 19% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Quay County | 5 |
| 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)