Homeowners Insurance in Clovis, NM

For a home at Clovis's median value of $169,400, we estimate about $960 a year — −36% versus the New Mexico NAIC average of $1,490.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Clovis

Est. premium

$960

$80/mo · median home

Median home value

$169,400

New Mexico: $248,100

Median year built

1975

Census ACS

Owner-occupied

62.1%

of households

Hazard score

59.9

state ref. 80.8

Clovis's estimate reflects its home values (32% lower than the state median) and FEMA's hazard profile for Curry County.

Natural hazard risk in Clovis

FEMA National Risk Index — Curry County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively Moderate	88.6	Comprehensive (car); roof claims (home)
Tornado	Relatively Low	58.9	Comprehensive; dwelling
Hurricane	Not rated	0.0	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively Low	52.5	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Moderate	57.5	Comprehensive; dwelling
Winter weather	Relatively High	95.4	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Moderate	95.7	Comprehensive; dwelling
Earthquake	Very Low	32.4	Home needs a separate earthquake policy
Lightning	Relatively Moderate	57.8	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Clovis

Dwelling value	Wood frame	Brick / masonry
$200,000	$1,095	$1,010
$300,000	$1,515	$1,395
$500,000	$2,280	$2,100
$750,000	$3,155	$2,905

Home Insurance Estimator

Estimated annual premium

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Homeowners insurance in New Mexico · Car insurance in Clovis · Insurance offices near Clovis

Frequently asked questions

How much is homeowners insurance in Clovis?

For a home at Clovis's median value of $169,400, we estimate about $960 a year for a standard HO-3 policy with a $1,000 deductible. The New Mexico NAIC average is $1,490.

What are the biggest natural hazards in Clovis?

FEMA's National Risk Index rates Curry County relatively high or very high for winter weather.

Does the age of homes in Clovis affect insurance?

Yes. The median home in Clovis was built in 1975 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for New Mexico, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Curry County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page