Home Insurance in Dora, New Mexico
Homes in Dora carry a median value of $225,000 - 66% higher than the Roosevelt County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Dora was built around 1970. About 50% of homes were built before 1960, about 26 points above Roosevelt County's 24%.
In Dora, the housing stock is 100% single-family homes.
In Dora, about 33% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Dora has an owner-occupancy rate of 67% and a vacancy rate of 36%; unoccupied homes typically need a different coverage form.
Most homes in Dora - 67% - 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.
FEMA rates Roosevelt County's overall risk as Relatively Moderate, led by wildfire (Relatively High). Roosevelt County had 119 active NFIP flood policies as of September 2026. See the full Roosevelt 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 | $225,000 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Roosevelt County | 119 |
| 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)