HomeInsuranceQts

Home Insurance in Sugar Land, Texas

The median home value in Sugar Land is $430,200, 15% higher than the Fort Bend County median.

Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Sugar Land was built around 1994. About 2% of homes were built before 1960, in line with Fort Bend County (2%).

In Sugar Land, the housing stock is 89% single-family homes and 10% apartments in buildings with 5+ units.

In Sugar Land, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

About 80% of occupied homes in Sugar Land are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

Most homes in Sugar Land - 69% - are primarily heated with natural gas.

What's the biggest home insurance risk near Sugar Land? FEMA's National Risk Index points to tornado (Very High) in Fort Bend County and Fort Bend County had 40,102 active NFIP flood policies as of September 2026. See the full Fort Bend 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).

135 licensed insurance agencies are listed for this area.

Key figures

Median home value$430,200
Median year built1994
Owner-occupied share80%
Share of owner-occupied homes with a mortgage55%
Top county hazardTornado (Very High)
Active NFIP policies in Fort Bend County40,102
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for Sugar Land, TX

Licensed insurance agencies in Sugar Land

...and 75 more licensed agencies.

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Nearby towns

Sources

Data last updated: 2026-09-29