HomeInsuranceQts

Home Insurance in Montgomery, Texas

The median home value in Montgomery is $363,200, close to the Montgomery County median.

The typical home in Montgomery was built around 2013. About 6% of homes were built before 1960, about 4 points 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 Montgomery is 57% single-family homes, 34% apartments in buildings with 5+ units and 4% mobile or manufactured homes.

About 69% of owner-occupied homes in Montgomery have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 54% of occupied homes in Montgomery are owner-occupied.

68% of homes in Montgomery 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).

This area lists 23 licensed insurance agencies.

Key figures

Median home value$363,200
Median year built2013
Owner-occupied share54%
Share of owner-occupied homes with a mortgage69%
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 Montgomery, TX

Licensed insurance agencies in Montgomery

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

Nearby towns

Sources

Data last updated: 2026-09-29