Home Insurance in Sulphur Springs, Texas
With a median home value of $217,800, Sulphur Springs is close to the Hopkins County median.
The typical home in Sulphur Springs was built around 1976. About 26% of homes were built before 1960, about 8 points above Hopkins County's 17%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Sulphur Springs, the housing stock is 73% single-family homes, 17% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 47% of owner-occupied homes in Sulphur Springs have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 55% of occupied homes in Sulphur Springs are owner-occupied.
70% of homes in Sulphur Springs are primarily heated with electricity.
Hopkins County had 77 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Hopkins County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
12 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $217,800 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Hopkins County | 77 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Sulphur Springs
- BAUCOM INSURANCE SERVICES INC, Sulphur Springs (General Lines Agency)
- BERNING INSURANCE GROUP INC, Sulphur Springs (General Lines Agency)
- CASEY PHILLIPS INSURANCE AGENCY L.L.C., Sulphur Springs (General Lines Agency)
- DAWSON FINANCIAL SERVICES INC., Sulphur Springs (General Lines Agency)
- DIXON & DIXON INSURANCE AGENCY LLC, Sulphur Springs (General Lines Agency)
- GALYEAN INSURANCE AGENCY INC, Sulphur Springs (General Lines Agency)
- JASON TULLY INSURANCE AGENCY, LLC, Sulphur Springs (General Lines Agency)
- JULIA WILHITE INSURANCE AGENCY, INC., Sulphur Springs (General Lines Agency)
- MATTISON INSURANCE AGENCY, INC., Sulphur Springs (General Lines Agency)
- MICHAEL A MIESSE INSURANCE AGENCY INC, Sulphur Springs (General Lines Agency)
- RICHARD N. WATKINS INSURANCE AGENCY,LLC, Sulphur Springs (General Lines Agency)
- TENBERGE INSURANCE AGENCY LLC, Sulphur Springs (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)