Home Insurance in Sutton County, Texas
With a median home value of $155,700, Sutton County is 45% lower than the Texas median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Sutton County was built around 1972. About 32% of homes were built before 1960, about 20 points above Texas's 12%.
In Sutton County, the housing stock is 78% single-family homes, 2% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Sutton County, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Sutton County has an owner-occupancy rate of 76% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
Most homes in Sutton County - 60% - are primarily heated with electricity.
The top hazards for Sutton County, per FEMA's National Risk Index, are wildfire (Relatively Low), hail (Very Low) and hurricane (Very Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Sutton County has 17 active NFIP flood policies on file.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
3 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $155,700 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Very Low), Hurricane (Very Low) |
| Active NFIP flood policies (county) | 17 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Sutton County
- CACTUS COUNTRY INSURANCE GROUP LLC, Sonora (General Lines Agency)
- CG&L LLC, Sonora (General Lines Agency)
- TRI-COUNTY UNITED INSURANCE AGENCY LLC, Sonora (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- 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)