Home Insurance in Cut and Shoot, Texas
With a median home value of $237,000, Cut and Shoot is 32% lower than the Montgomery County median.
The typical home in Cut and Shoot was built around 1985. About 7% of homes were built before 1960, about 5 points above Montgomery County's 2%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Cut and Shoot, the housing stock is 65% single-family homes and 31% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
41% of owner-occupied homes in Cut and Shoot carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Cut and Shoot has an owner-occupancy rate of 87% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In Cut and Shoot, 84% of homes are primarily heated with electricity.
Montgomery County's top FEMA-rated hazard is tornado (Very High), per FEMA's National Risk Index. Montgomery County had 21,771 active NFIP flood policies as of September 2026. See the full Montgomery 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 | $237,000 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Montgomery County | 21,771 |
| 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)