Home Insurance in Sudan, Texas
With a median home value of $100,400, Sudan is 22% higher than the Lamb County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Sudan was built around 1968. About 31% of homes were built before 1960, about 3 points below Lamb County's 34%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Sudan is 78% single-family homes, 1% apartments in buildings with 5+ units and 20% mobile or manufactured homes.
About 39% of owner-occupied homes in Sudan have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Sudan has an owner-occupancy rate of 75% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in Sudan - 56% - are primarily heated with electricity.
What's the biggest home insurance risk near Sudan? FEMA's National Risk Index points to hail (Relatively High) in Lamb County and Lamb County had 8 active NFIP flood policies as of September 2026. See the full Lamb 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).
1 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $100,400 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Lamb County | 8 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Sudan
- M EDWARDS INVESTMENT GROUP, INC., Sudan (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)