Home Insurance in Clayton, New Mexico
With a median home value of $110,500, Clayton is 10% lower than the Union County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Clayton was built around 1963. About 46% of homes were built before 1960, about 3 points below Union County's 49%.
In Clayton, the housing stock is 74% single-family homes, 7% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Clayton, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 73% of occupied homes in Clayton are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Clayton - 84% - are primarily heated with natural gas.
Union County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Union County had 1 active NFIP flood policy as of September 2026. See the full Union 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 | $110,500 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Union County | 1 |
| 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)