Home Insurance in Sunray, Texas
With a median home value of $132,000, Sunray is 13% lower than the Moore County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Sunray was built around 1972. About 25% of homes were built before 1960, in line with Moore County (25%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Sunray is 83% single-family homes and 15% mobile or manufactured homes.
About 33% of owner-occupied homes in Sunray have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Sunray has an owner-occupancy rate of 84% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
70% of homes in Sunray are primarily heated with natural gas.
Moore County had 11 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Moore 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.
Key figures
| Median home value | $132,000 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Moore County | 11 |
| 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)