Home Insurance in Williamsburg, New Mexico
Homes in Williamsburg carry a median value of $43,600 - 71% lower than the Sierra County median.
The typical home in Williamsburg was built around 1992. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 10% of homes were built before 1960, about 9 points below Sierra County's 19%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Williamsburg is 31% single-family homes and 46% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
27% of owner-occupied homes in Williamsburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Williamsburg has an owner-occupancy rate of 80% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 47% of homes in Williamsburg are primarily heated with electricity.
What's the biggest home insurance risk near Williamsburg? FEMA's National Risk Index points to wildfire (Relatively Low) in Sierra County and Sierra County had 30 active NFIP flood policies as of September 2026. See the full Sierra 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 home value | $43,600 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Sierra County | 30 |
| 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)