Ranked from FEMA National Risk Index
Lowest Expected Disaster Loss per Household in New Mexico
The counties where FEMA's expected annual loss per household is smallest. Low exposure is one of the few housing-cost advantages that never shows up in the listing price. It shows up in what an insurer actually charges, which is not the same as the insurance figure in these tables, since that is a statewide average and cannot vary by county. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there.
New Mexico ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Bernalillo County | $543 | Relatively High | $268,500 |
| 2 | Sandoval County | $565 | Relatively Low | $282,300 |
| 3 | Los Alamos County | $639 | Very Low | $452,500 |
| 4 | Santa Fe County | $706 | Relatively Moderate | $416,900 |
| 5 | McKinley County | $987 | Relatively Low | $72,100 |
| 6 | San Juan County | $1,074 | Relatively Moderate | $185,100 |
| 7 | Curry County | $1,154 | Relatively Low | $160,800 |
| 8 | Luna County | $1,212 | Relatively Low | $112,500 |
| 9 | Cibola County | $1,375 | Relatively Low | $120,000 |
| 10 | Quay County | $1,387 | Very Low | $82,200 |
| 11 | Valencia County | $1,401 | Relatively Moderate | $206,800 |
| 12 | Taos County | $1,507 | Relatively Low | $354,000 |
| 13 | Torrance County | $1,549 | Relatively Low | $145,100 |
| 14 | San Miguel County | $1,754 | Relatively Low | $177,600 |
| 15 | Rio Arriba County | $1,772 | Relatively Low | $230,900 |
| 16 | Otero County | $1,783 | Relatively Moderate | $149,500 |
| 17 | Lea County | $1,841 | Relatively Moderate | $176,000 |
| 18 | Grant County | $1,881 | Relatively Low | $164,400 |
| 19 | Eddy County | $1,884 | Relatively Moderate | $199,400 |
| 20 | Doña Ana County | $1,959 | Relatively High | $205,400 |
| 21 | Sierra County | $1,994 | Relatively Low | $144,800 |
| 22 | Guadalupe County | $2,014 | Very Low | $107,200 |
| 23 | Harding County | $2,102 | Very Low | $86,500 |
| 24 | Chaves County | $2,144 | Relatively Moderate | $141,900 |
| 25 | Hidalgo County | $2,189 | Very Low | $114,000 |
| 26 | Colfax County | $2,324 | Relatively Low | $161,000 |
| 27 | Socorro County | $2,372 | Relatively Low | $143,200 |
| 28 | Union County | $2,374 | Very Low | $135,900 |
| 29 | Lincoln County | $2,963 | Relatively Low | $212,200 |
| 30 | De Baca County | $3,195 | Very Low | $158,000 |
| 31 | Mora County | $3,582 | Very Low | $119,900 |
| 32 | Catron County | $4,151 | Very Low | $171,800 |
| 33 | Roosevelt County | $6,241 | Relatively Moderate | $136,000 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Lowest Expected Disaster Loss per Household across all 3,133 US counties · Every county in New Mexico