Home insurance & natural hazards in Los Alamos County, NM
Calm, plain facts for homeowners in Los Alamos County: what neighbors have paid for coverage, what flood insurance costs, and which weather hazards matter most here.
- Typical premiums from U.S. Treasury insurance data
- Flood insurance costs from 18 FEMA NFIP policies
- 13 natural hazards rated by the FEMA National Risk Index
Historical averages, not a quote. Updated Oct 2026.
Los Alamos at a glance
Four numbers most homeowners ask about first.
Per policy per year in 2022, median of 1 ZIP code (inflation-adjusted).
Average full cost of a single-family NFIP policy that took effect in 2025.
Share of policies insurers chose not to renew in 2022, median ZIP. Typical U.S. ZIP: 0.81%.
Overall National Risk Index rating, higher than 3.6% of U.S. counties.
What homeowners here pay
Each block pairs a short explanation with the data behind it.
Homeowners insurance
Typical premiums in Los Alamos County were $1,488 per policy in 2022, about the same as the typical New Mexico ZIP code ($1,451) and 4% below the typical U.S. ZIP code ($1,551). After adjusting for inflation, local premiums rose 11% between 2018 and 2022.
Typical premium per policy
Flood insurance
Standard home policies don't cover floods. The average single-family NFIP policy that took effect here in 2025 cost $649, compared with $588 in 2022. About 11% of local policies are for homes in high-risk A or V zones and 89% in moderate- to lower-risk zones.
Average flood policy cost
Policies by flood zone, 2025
Natural hazards
Bars show how Los Alamos compares with every U.S. county for each hazard (100 = highest). Wildfire, landslide and earthquake rank highest here. A high rank doesn't mean an event is likely in any given year. It shows where preparation and the right coverage matter most.
Hazard risk, national percentile
Compare nearby
Neighboring counties
| County | Premium | Nonrenewal | Flood |
|---|---|---|---|
| Santa Fe County | $1,756 | 0.74% | $848 |
| Rio Arriba County | $1,596 | 0.97% | $1,662 |
| Los Alamos County | $1,488 | 0.29% | $649 |
| Sandoval County | $1,470 | 0.87% | $1,075 |
Flood insurance by ZIP, 2025
No ZIP code in this county has at least 10 single-family NFIP policies, so we don't show ZIP-level flood averages.
ZIP code pages in Los Alamos County
Practical next steps
Simple things Los Alamos homeowners can do with this information.
Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.
Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.
This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.