Home Insurance in Sunnyvale, Texas
Homes in Sunnyvale carry a median value of $565,300 - 87% higher than the Dallas County median.
The typical home in Sunnyvale was built around 2006. About 2% of homes were built before 1960, about 15 points below Dallas County's 17%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Sunnyvale, the housing stock is 95% single-family homes and 1% apartments in buildings with 5+ units.
65% of owner-occupied homes in Sunnyvale carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 91% of occupied homes in Sunnyvale are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Sunnyvale - 66% - are primarily heated with natural gas.
What's the biggest home insurance risk near Sunnyvale? FEMA's National Risk Index points to hail (Very High) in Dallas County and 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).
8 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $565,300 |
|---|---|
| Median year built | 2006 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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 Sunnyvale
- CHARALES INSURANCE AGENCY, INC., Sunnyvale (General Lines Agency)
- CRISLER CAPITAL LLC, Sunnyvale (General Lines Agency)
- FRED TURNER INSURANCE AGENCY, INC., Sunnyvale (General Lines Agency)
- J L REYNA AGENCY, INC., Sunnyvale (General Lines Agency)
- J&J INSURANCE AGENCY LLC, Sunnyvale (General Lines Agency)
- LYFE INSURANCE GROUP, LLC, Sunnyvale (General Lines Agency)
- STIDHAM INSURANCE LLC, Sunnyvale (General Lines Agency)
- TOLLESON INSURANCE GROUP, LLC, Sunnyvale (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)