Home Insurance in Moriarty, New Mexico
Homes in Moriarty carry a median value of $108,500 - 32% lower than the Torrance County median.
The typical home in Moriarty was built around 1986. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 16% of homes were built before 1960, in line with Torrance County (15%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Moriarty is 53% single-family homes, 3% apartments in buildings with 5+ units and 40% mobile or manufactured homes.
51% of owner-occupied homes in Moriarty carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Moriarty has an owner-occupancy rate of 63% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
Most homes in Moriarty - 66% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Moriarty? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Torrance County and Torrance County had 123 active NFIP flood policies as of September 2026. See the full Torrance 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 | $108,500 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Torrance County | 123 |
| 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)