Home Insurance in Shenandoah, Texas
With a median home value of $395,200, Shenandoah is 14% higher than the Montgomery County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Shenandoah was built around 2003. About 1% of homes were built before 1960, about 1 point below Montgomery County's 2%.
Housing in Shenandoah breaks down to 58% single-family homes and 33% apartments in buildings with 5+ units.
33% of owner-occupied homes in Shenandoah carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Shenandoah has an owner-occupancy rate of 55% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
59% of homes in Shenandoah 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
4 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $395,200 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Montgomery County | 21,771 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Shenandoah
- ABREGO INSURANCE AGENCY, LLC, Shenandoah (General Lines Agency)
- COAUTO INSURANCE LLC, Shenandoah (General Lines Agency)
- MOORE RISK CONSULTANTS, LLC, Shenandoah (General Lines Agency)
- THE KEYSTONE ENDEAVOR GROUP, LLC, Shenandoah (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
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)
- Texas Department of Insurance - licensed agencies (2026)