Home Insurance in Roosevelt County, New Mexico
The median home value in Roosevelt County is $135,800, 45% lower than the New Mexico median.
The typical home in Roosevelt County was built around 1977. About 24% of homes were built before 1960, about 7 points above New Mexico's 17%. 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 Roosevelt County is 70% single-family homes, 4% apartments in buildings with 5+ units and 18% mobile or manufactured homes.
In Roosevelt County, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Roosevelt County has an owner-occupancy rate of 61% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Roosevelt County - 61% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Roosevelt County, per FEMA's National Risk Index, are wildfire (Relatively High), hail (Relatively Moderate) and inland flooding (Relatively Moderate).
As of September 2026, Roosevelt County has 119 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $135,800 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively High), Hail (Relatively Moderate), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 119 |
| Home insurance premium | $1,490 - statewide average (NAIC, 2023 data) |
Towns and cities
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)