Home Insurance in Patton Village, Texas
With a median home value of $133,300, Patton Village is 61% lower than the Montgomery County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Patton Village was built around 1997. About 4% of homes were built before 1960, about 3 points above Montgomery County's 2%.
In Patton Village, the housing stock is 68% single-family homes, 1% apartments in buildings with 5+ units and 32% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
39% of owner-occupied homes in Patton Village carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 89% of occupied homes in Patton Village are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Patton Village, 67% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Patton Village? FEMA's National Risk Index points to tornado (Very High) in Montgomery County and 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 | $133,300 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)