Home Insurance in San Ysidro, New Mexico
With a median home value of $300,000, San Ysidro is close to the Sandoval County median.
The typical home in San Ysidro was built around 1952. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 61% of homes were built before 1960, about 56 points above Sandoval County's 4%.
The housing stock in San Ysidro is 62% single-family homes and 38% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
12% of owner-occupied homes in San Ysidro carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
San Ysidro has an owner-occupancy rate of 77% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
In San Ysidro, 56% of homes are primarily heated with wood. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Sandoval County had 580 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). See the full Sandoval 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 | $300,000 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 12% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Sandoval County | 580 |
| 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)