Home Insurance in Roman Forest, Texas
Homes in Roman Forest carry a median value of $339,600 - close to the Montgomery County median.
The typical home in Roman Forest was built around 1998. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 0% of homes were built before 1960, about 2 points below Montgomery County's 2%.
Housing in Roman Forest breaks down to 98% single-family homes and 1% mobile or manufactured homes.
In Roman Forest, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 93% of occupied homes in Roman Forest are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Roman Forest, 54% of homes are primarily heated with natural gas.
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.
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 | $339,600 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)