Home Insurance in Willis, Texas
The median home value in Willis is $124,300, 64% lower than the Montgomery County median.
The typical home in Willis was built around 1995. About 2% of homes were built before 1960, in line with Montgomery County (2%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Willis is 59% single-family homes, 15% apartments in buildings with 5+ units and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 55% of owner-occupied homes in Willis have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 61% of occupied homes in Willis are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Willis - 86% - are primarily heated with electricity.
What's the biggest home insurance risk near Willis? 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
6 licensed insurance agencies serve this area.
Key figures
| Median home value | $124,300 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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 Willis
- FC INSURANCE SERVICES/AAROWSTAR INSURANCE LLC, Willis (General Lines Agency)
- JUNAH CAPITAL, LLC, Willis (General Lines Agency)
- MONACO INSURANCE GROUP AGENCY, LLC, Willis (General Lines Agency)
- TEXAS PAYROLL CONSULTING COMPANY LLC, Willis (General Lines Agency)
- VINCO INSURANCE GROUP LLC, Willis (General Lines Agency)
- WILDKAT INSURANCE GROUP, LLC, Willis (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)