Home Insurance in Sachse, Texas
With a median home value of $406,200, Sachse is 34% higher than the Dallas County median.
The typical home in Sachse was built around 2005. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 1% of homes were built before 1960, about 15 points below Dallas County's 17%.
Housing in Sachse breaks down to 86% single-family homes, 11% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 76% of owner-occupied homes in Sachse have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 85% of occupied homes in Sachse are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
59% of homes in Sachse are primarily heated with natural gas.
FEMA rates Dallas County's overall risk as Very High, led by hail (Very High). Dallas County had 6,674 active NFIP flood policies as of September 2026. See the full Dallas County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
7 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $406,200 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top county hazard | Hail (Very High) |
| Active NFIP policies in Dallas County | 6,674 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Sachse
- BAO VIET LLC, Sachse (General Lines Agency)
- HOMETOWN INSURANCE SERVICES, LLC, Sachse (General Lines Agency)
- JCL SOLUTIONS GROUP, LLC, Sachse (General Lines Agency)
- MEDIA FX AGENCY INC., Sachse (General Lines Agency)
- PREMIER TAX AND INSURANCE SERVICES LLC, Sachse (General Lines Agency)
- RODRIGUEZ INSURANCE AND FINANCIAL SERVICES INC, Sachse (General Lines Agency)
- TITAN SHIELD CORPORATION, Sachse (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)
- Texas Department of Insurance - licensed agencies (2026)