Home Insurance in Sweetwater, Texas
Homes in Sweetwater carry a median value of $80,800 - 16% lower than the Nolan County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Sweetwater was built around 1963. About 46% of homes were built before 1960, about 5 points above Nolan County's 40%.
The housing stock in Sweetwater is 74% single-family homes, 10% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Sweetwater, about 27% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Sweetwater has an owner-occupancy rate of 60% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
In Sweetwater, 52% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Sweetwater? FEMA's National Risk Index points to wildfire (Relatively Low) in Nolan County and Nolan County had 67 active NFIP flood policies as of September 2026. See the full Nolan 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).
This area lists 2 licensed insurance agencies.
Key figures
| Median home value | $80,800 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Nolan County | 67 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Sweetwater
- CLARK AGENCY INC, Sweetwater (General Lines Agency)
- D-MAC SERVICES, LLC, Sweetwater (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)