ZIP 87722 Insurance Data

Data Snapshot: ZIP 87722 (Guadalupita, NM)

ZIP 87722 (Guadalupita, NM) shows an average homeowners insurance premium of $1,850 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 1 reported policies. That is 4% above the national average of $1,776 per year, placing this ZIP in the 69th percentile nationally. Compared to the New Mexico state average of $1,577, this ZIP runs 17% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 87722 is 440.3%, meaning insurers paid out more in claims than they collected — a signal that premiums may rise or carriers may exit. Claim frequency — the share of policies with at least one claim — is 14.55%, and the average claim severity (amount paid per claim) is $56,003.

Across 5 years (2018–2022), premiums in ZIP 87722 have risen by 7.8%, ranging from $1,715 to $1,948 with a five-year average of $1,844 — an annualized rate of +1.9% per year. FIO data aggregates voluntary reporting from the 40 largest homeowners insurers, covering roughly 80% of the U.S. market, so figures represent market averages rather than individual policy quotes; your own premium will vary with dwelling value, deductible, coverage limits, construction type, and insurer-specific underwriting. This page is educational research only and is not insurance advice — homeowners should request quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.