InsureWatch

88210

Elevated51

Artesia, New Mexico — Eddy County

Pop. 18,552Median Income $74,932Median Home $203,700
0/ 100Elevated Risk

2025 Estimated Premium

$2,735/yr

+8.5% from 2022 actual ($2,520)

Projected using FRED CPI for Household Insurance, adjusted for this ZIP's historical trend. Not a quote.

Avg Premium (2022)

$2,520

-0.8%

2018–2025

Nonrenewal Rate

0.61%

2018–2022

Claim Frequency

4.6%

Avg Claim Amount

$13,667

Score Breakdown

Premium Level (25%)89
Premium Trend (20%)46
Nonrenewal Risk (20%)27
Storm Exposure (15%)18
Affordability (10%)79
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201817 events
Property damage$133,000
11 hail1 flood
19
201938 events
Property damage$61,000
2 tornado24 hail6 flood
20
20203 events
Property damage$0
21
202121 events1 fatalities
Property damage$44,000
8 hail12 flood
22
202217 events
Property damage$33,900
3 hail10 flood
23
202321 events
Property damage$60,000
7 hail4 flood
24
202412 events
Property damage$75,000
6 hail2 flood
25
202527 events
Property damage$65,000
8 hail10 flood

Nearby ZIP Codes

88232Hagerman, NM
71High

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Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.