Home Insurance in Sunrise Beach Village, Texas
With a median home value of $657,300, Sunrise Beach Village is 84% higher than the Llano County median.
The typical home in Sunrise Beach Village was built around 1984. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 7% of homes were built before 1960, in line with Llano County (7%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Sunrise Beach Village is 95% single-family homes and 4% mobile or manufactured homes.
About 40% of owner-occupied homes in Sunrise Beach Village have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 50%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Sunrise Beach Village are owner-occupied.
In Sunrise Beach Village, 89% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Sunrise Beach Village? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Llano County and Llano County had 1,071 active NFIP flood policies as of September 2026. See the full Llano County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $657,300 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Llano County | 1,071 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Nearby towns
- Highland Haven
- Granite Shoals
- Horseshoe Bay
- Cottonwood Shores
- Meadowlakes
- Marble Falls
- Double Horn
- Round Mountain
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)