Home Insurance in Sunset Valley, Texas
With a median home value of $917,500, Sunset Valley is 75% higher than the Travis County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Sunset Valley was built around 1997. About 17% of homes were built before 1960, about 11 points above Travis County's 7%.
In Sunset Valley, the housing stock is 100% single-family homes.
48% of owner-occupied homes in Sunset Valley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Sunset Valley has an owner-occupancy rate of 96% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
65% of homes in Sunset Valley are primarily heated with natural gas.
Travis County's top FEMA-rated hazard is tornado (Very High), per FEMA's National Risk Index. Travis County had 8,671 active NFIP flood policies as of September 2026. See the full Travis County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $917,500 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Travis County | 8,671 |
| 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)