San Miguel County, NM

Composite Insurance Risk Score: 29.6 / 100 (National rank: #2766)

Axis Scores

Climate Safety 43.9
Insurance Affordability 26.0
Housing Affordability 21.5
Community Resilience 21.6
Social Resilience 3.9
Housing Stability 41.8

Key Metrics

Annual Insurance Premium (state avg) $2,200
Insurance Burden (% of income) 4.45%
Price-to-Income Ratio 3.81
FEMA Risk Score (0-100) 56.0

Data Sources: FEMA National Risk Index (Public Domain), U.S. Census Bureau ACS 5-Year Estimates (CC0), Triple-I / NAIC public citations. Scores are percentile ranks across all valid U.S. counties (0-100).

πŸ“ˆ 10-Year Trend (2015-2024)

Historical data from U.S. Census ACS 5-Year Estimates.

πŸ’‘ Market Analysis

Over the past 5 years, home values in San Miguel County have grown at an average annual rate of 6.9%. During the same period, the population has decreased by 3.2%. This combination of rising prices and shrinking population may indicate housing affordability pressures or climate-related out-migration.

*Note: Correlation does not imply causation. Analysis based on ACS 5-Year Estimates (2019-2024).