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Home Insurance in Bowie, TX
Six steps to a better homeowners policy in Bowie, built around Montague County hazard and housing data.
Buying Bowie home insurance, step by step
- Gather your home’s details. Square footage and build year on file with the Montague appraisal district (iswdataclient.azurewebsites.net) feed straight into replacement-cost estimates, so check them for errors. You can also visit the office at 7549 State Highway 175 N. Montague, TX 76251-0568.
- Size Coverage A correctly. Census data shows a median home value of $174,300 in Bowie. That is below the Montague County median of $206,400. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
- Choose a wind and hail deductible. Montague County had 93 hail reports in NOAA’s storm records for 2016 through 2025. In 74 cases the hail was an inch across or bigger. The largest reported hail was 4.5 inches on May 19, 2025. A higher deductible lowers premium, but make sure you could pay it after a storm.
- Confirm who covers wind. TWIA does not write in Montague County; wind and hail claims go through your regular homeowners policy, which may carry its own wind/hail deductible.
- Do not skip the flood question. Bowie participates in the National Flood Insurance Program, so NFIP policies are available to residents. Its flood map now in force took effect in August 2011. Flood coverage is far from universal: 63 residential NFIP policies in Montague County, or about 1 per 126 homes. A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin. The FEMA Flood Map Service Center shows the flood zone for any address.
- Compare quotes on equal terms. Compare roof settlement terms, deductibles and limits, not just premium. Texas Insurance Resources can shop multiple carriers for your Bowie home.
$5,224/yr
About $435/mo · ~$300k-$400k dwelling class
$3,328/yr
About $277/mo after modeled shopping discount
About 36.3% below local market estimate
Local figures for your Bowie quote
The National Risk Index from FEMA scores Montague County as relatively low for combined natural-hazard risk. Among individual perils, the top ratings go to drought (relatively high), ice storms (relatively high) and tornadoes (relatively moderate).
Getting to know Bowie
Montague County is home to Bowie. No metro or micro area includes Montague County, so it is rural by the federal definition. Head about 47 miles from Bowie and you reach Denton, the nearest larger city.
In Bowie, 69% of occupied homes are lived in by their owners and 81% of units are detached houses. The median home in Bowie was built in 1973. Roughly 70% of the housing stock predates 1980 and 18% is from 2000 onward.
The NWS Fort Worth/Dallas, TX office handles forecasts and storm warnings for Bowie. Its assigned radar site for Bowie is KFWS.
FAQ: shopping in Bowie
When is the best time to compare home insurance in Bowie?
Check before each renewal. Carriers adjust rates and underwriting appetite over time, so last year’s best price may not hold.
What does the Bowie savings estimate on this page mean?
On this page we model a 36.3% gap between the local market estimate and our estimate for Bowie. It is not a quote, and actual savings can be higher, lower or zero.
Does homeowners insurance cover tornado damage in Bowie?
Yes, tornado damage is covered as windstorm, subject to your wind and hail deductible. NOAA records show 8 tornadoes in Montague County from 2016 through 2025, so confirm your dwelling and loss-of-use limits would cover a full rebuild.
Does Texas law require home insurance in Bowie?
State law does not require it. Your lender will, though, and if coverage lapses the lender can place a policy for you that usually costs more and covers less.
Request a Bowie homeowners quote
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Sources and methodology
Public data current as of October 2026; Census figures are survey estimates. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- NWS Fort Worth/Dallas, TX
- Census Bureau ACS five-year data, Bowie city: structure type, tenure, population, year built, median year built, home value
- Storm Events Database (NOAA), Montague County
- Comparison figures: Montague County value, Montague County build year
- Texas property tax directory, Montague County
- Comptroller 2024 regions
- OpenFEMA flood insurance data, Montague County
- NFIP Community Status Book
- TWIA coverage area
- Census CBSA delineation
- Census Gazetteer files
- National Risk Index (FEMA), Montague County
- FEMA disaster declarations, Montague County