HomeInsuranceQts

Home Insurance in Montgomery County, Texas

With a median home value of $346,200, Montgomery County is 22% higher than the Texas median.

Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Montgomery County was built around 2004. About 2% of homes were built before 1960, about 11 points below Texas's 12%.

The housing stock in Montgomery County is 71% single-family homes, 15% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Montgomery County, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Montgomery County has an owner-occupancy rate of 72% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.

Most homes in Montgomery County - 52% - are primarily heated with electricity.

FEMA's National Risk Index lists tornado (Very High), inland flooding (Relatively High) and hurricane (Relatively High) as the leading hazards for Montgomery County.

As of September 2026, Montgomery County has 21,771 active NFIP flood insurance policies. 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).

249 licensed insurance agencies serve this area.

Key figures

Median home value$346,200
Median year built2004
Owner-occupied share72%
Share of owner-occupied homes with a mortgage62%
Top hazards (FEMA National Risk Index)Tornado (Very High), Inland Flooding (Relatively High), Hurricane (Relatively High)
Active NFIP flood policies (county)21,771
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Smaller communities

Licensed insurance agencies in Montgomery County

...and 189 more licensed agencies.

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Sources