Home Insurance in Woodbranch, Texas
The median home value in Woodbranch is $263,900, 24% lower 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 Woodbranch was built around 1983. About 4% of homes were built before 1960, about 2 points above Montgomery County's 2%.
Housing in Woodbranch breaks down to 98% single-family homes.
About 69% of owner-occupied homes in Woodbranch have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 90% of occupied homes in Woodbranch are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 65% of homes in Woodbranch are primarily heated with electricity.
FEMA rates Montgomery County's overall risk as Relatively High, led by tornado (Very High). 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 | $263,900 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)