Home Insurance in Taos, New Mexico
The median home value in Taos is $445,900, 16% higher than the Taos County median.
The typical home in Taos was built around 1980. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 26% of homes were built before 1960, about 8 points above Taos County's 17%.
The housing stock in Taos is 62% single-family homes, 14% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 54% of owner-occupied homes in Taos have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 59% of occupied homes in Taos are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Taos, 80% of homes are primarily heated with natural gas.
FEMA rates Taos County's overall risk as Relatively Low, led by wildfire (Relatively Moderate). Taos County had 134 active NFIP flood policies as of September 2026. See the full Taos County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $445,900 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Taos County | 134 |
| 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)