Home Insurance in Sonora, Texas
With a median home value of $143,200, Sonora is 8% lower than the Sutton County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Sonora was built around 1971. About 31% of homes were built before 1960, in line with Sutton County (32%).
The housing stock in Sonora is 72% single-family homes, 3% apartments in buildings with 5+ units and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
46% of owner-occupied homes in Sonora carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Sonora are owner-occupied.
Most homes in Sonora - 60% - are primarily heated with electricity.
FEMA rates Sutton County's overall risk as Very Low, led by wildfire (Relatively Low). Sutton County had 17 active NFIP flood policies as of September 2026. See the full Sutton 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).
3 licensed insurance agencies serve this area.
Key figures
| Median home value | $143,200 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Sutton County | 17 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Sonora
- 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
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)