Home Insurance in Montague County, Texas
Homes in Montague County carry a median value of $206,400 - 27% lower than the Texas median.
The typical home in Montague County was built around 1979. About 23% of homes were built before 1960, about 10 points above Texas's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Montague County is 79% single-family homes, 1% apartments in buildings with 5+ units and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 37% of owner-occupied homes in Montague County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Montague County has an owner-occupancy rate of 80% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
48% of homes in Montague County are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Montague County, per FEMA's National Risk Index, are wildfire (Relatively Moderate), tornado (Relatively Moderate) and strong wind (Relatively Moderate).
Montague County had 65 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
8 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $206,400 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Tornado (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 65 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Montague County
- BARBER & DAVIS, INC., Bowie (General Lines Agency)
- BOWER INSURANCE GROUP LLC, Forestburg (General Lines Agency)
- FENOGLIO & SON LLC, Nocona (General Lines Agency)
- HENRY INSURANCE AGENCY, INC., Bowie (General Lines Agency)
- KEELAN WADE INSURANCE AGENCY, LLC, Bowie (General Lines Agency)
- MCSHAN AGENCY, LLC, Bowie (General Lines Agency)
- RELIANCE GROUP TEXAS, L.P., Bowie (General Lines Agency)
- SWENSON INSURANCE GROUP LLC, Nocona (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)