Home Insurance in Sundown, Texas
With a median home value of $96,400, Sundown is 24% lower than the Hockley County median.
The typical home in Sundown was built around 1986. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 11% of homes were built before 1960, about 12 points below Hockley County's 23%.
In Sundown, the housing stock is 55% single-family homes, 9% apartments in buildings with 5+ units and 32% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 44% of owner-occupied homes in Sundown have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Sundown has an owner-occupancy rate of 74% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Sundown, 51% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Sundown? FEMA's National Risk Index points to hail (Relatively High) in Hockley County and Hockley County had 50 active NFIP flood policies as of September 2026. See the full Hockley County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
Key figures
| Median home value | $96,400 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Hockley County | 50 |
| 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)