Home Insurance in Sullivan City, Texas
The median home value in Sullivan City is $94,600, 33% lower than the Hidalgo County median.
The typical home in Sullivan City was built around 1997. About 1% of homes were built before 1960, about 3 points below Hidalgo County's 4%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Sullivan City is 91% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Sullivan City, about 16% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Sullivan City has an owner-occupancy rate of 88% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
96% of homes in Sullivan City are primarily heated with electricity.
What's the biggest home insurance risk near Sullivan City? FEMA's National Risk Index points to hurricane (Very High) in Hidalgo County and Hidalgo County had 9,570 active NFIP flood policies as of September 2026. See the full Hidalgo 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).
Key figures
| Median home value | $94,600 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 16% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Hidalgo County | 9,570 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)