Home Insurance in Oak Ridge North, Texas
Homes in Oak Ridge North carry a median value of $302,900 - 13% lower than the Montgomery County median.
The typical home in Oak Ridge North was built around 1977. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 1% of homes were built before 1960, about 1 point below Montgomery County's 2%.
In Oak Ridge North, the housing stock is 98% single-family homes and 2% mobile or manufactured homes.
50% of owner-occupied homes in Oak Ridge North carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Oak Ridge North has an owner-occupancy rate of 97% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
76% of homes in Oak Ridge North are primarily heated with natural gas.
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).
Key figures
| Median home value | $302,900 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)