HomeInsuranceQts

Home Insurance in Conroe, Texas

The median home value in Conroe is $309,600, 11% lower than the Montgomery County median.

The typical home in Conroe was built around 2006. About 3% of homes were built before 1960, about 1 point above Montgomery County's 2%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.

Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Conroe is 59% single-family homes, 31% apartments in buildings with 5+ units and 6% mobile or manufactured homes.

62% of owner-occupied homes in Conroe carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 55% of occupied homes in Conroe are owner-occupied.

56% of homes in Conroe are primarily heated with electricity.

Montgomery County had 21,771 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Very High). See the full Montgomery 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).

57 licensed insurance agencies are listed for this area.

Key figures

Median home value$309,600
Median year built2006
Owner-occupied share55%
Share of owner-occupied homes with a mortgage62%
Top county hazardTornado (Very High)
Active NFIP policies in Montgomery County21,771
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for Conroe, TX

Licensed insurance agencies in Conroe

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

Nearby towns

Sources

Data last updated: 2026-09-29