Home / Texas Home Insurance Locations / Conroe
Home Insurance in Conroe, TX
Conroe homeowners insure against tornadoes and lightning first, according to FEMA’s county ratings. This page lays out the local hazard data and what it means for coverage.
$6,569/yr
About $547/mo · ~$300k-$400k dwelling class
$4,027/yr
About $336/mo after modeled shopping discount
About 38.7% below local market estimate
Natural hazard profile for Conroe
FEMA’s National Risk Index rates overall natural-hazard risk in Montgomery County as relatively high. Among individual perils, the top ratings go to tornadoes (very high), lightning (very high) and ice storms (very high).
With tornadoes rated very high, check that loss-of-use coverage would carry you through a long rebuild.
With lightning rated very high, a whole-home surge protector is cheap insurance against electrical claims.
FEMA rates ice storm risk very high; check how your policy pays for tree removal after a storm.
Hurricane risk is relatively high in Montgomery County. Named-storm deductibles and the split between wind and flood coverage matter most.
The Montgomery County storm record, 2016 to 2025
From 2016 to 2025, 26 hail events were recorded in Montgomery County in NOAA’s Storm Events Database. In 19 cases the hail was an inch across or bigger. The top report was 1.75-inch hail on May 2, 2016. Montgomery County saw 7 tornadoes in NOAA’s 2016 to 2025 records; the most intense was an EF3 on December 28, 2024.
There were also 73 damaging-wind reports from thunderstorms, topping out around 78 mph. Flash flooding was logged 23 times over the same decade.
FEMA has issued 14 natural-hazard major disaster declarations covering Montgomery County since 2000. The most recent include Hurricane Beryl (2024), Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024) and Severe Winter Storms (2021).
Windstorm questions for Conroe homes
Montgomery County is outside TWIA’s designated catastrophe area, so wind and hail are normally covered by the homeowners policy itself, often with a separate percentage deductible.
Flood insurance in Conroe
Conroe participates in the National Flood Insurance Program, so NFIP policies are available to residents. The flood insurance rate map in effect was issued in August 2014. It also holds Community Rating System Class 7, which trims NFIP premiums for high-risk-zone policies by 15%. Only about 1 in 9 homes in Montgomery County carries an NFIP policy (21,232 residential policies). Montgomery County has produced 6,116 NFIP claims from 2016 on. Flood needs its own policy, and buying one right before a storm will not help because of the usual 30-day wait.
Search the FEMA Flood Map Service Center by street address to find your zone.
Conroe housing in brief
2006 is the median year built for housing units in Conroe. Roughly 17% of the housing stock predates 1980 and 61% is from 2000 onward. Owners in Conroe put the median value of their homes at $309,600. The Montgomery County median is similar, at $346,200. Land value is part of a sale price but not of a rebuild, so the right Coverage A figure can be well above or below market value.
Where Conroe homeowners can check the details
Conroe sits within Montgomery County. Commuting ties put Montgomery County in the Houston-Pasadena-The Woodlands metro as an outlying county. Conroe lies north of Houston, around 38 miles away in a straight line.
Square footage and build year on file with the Montgomery appraisal district (www.mcad-tx.org) feed straight into replacement-cost estimates, so check them for errors. Its office is at 109 Gladstell St. Conroe, TX 77301-4236. The NWS Houston/Galveston, TX office handles forecasts and storm warnings for Conroe. The radar the weather service assigns to this point is KHGX.
FAQ: Conroe storm and flood coverage
Are tornadoes covered on a Conroe home policy?
Yes. Tornadoes fall under the windstorm peril, so the wind and hail deductible applies. Montgomery County had 7 tornadoes in NOAA’s 2016 to 2025 records, which is a good reason to check your dwelling, other-structures and debris-removal limits.
Are frozen pipes covered in Conroe?
Usually, as long as the damage is sudden and the house was heated. Winter weather is rated relatively high in Montgomery County by FEMA, so know where your main shutoff valve is.
How common are hailstorms in Montgomery County?
Montgomery County had 26 hail reports in NOAA’s records for 2016 to 2025, 19 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk relatively moderate. Roof age, roof material and the wind and hail deductible drive most of the price difference between quotes.
Does TWIA cover homes in Conroe?
No. Montgomery County is outside TWIA’s designated catastrophe area, so wind and hail are covered by the homeowners policy itself, usually with a separate wind and hail deductible.
Compare Conroe home insurance quotes
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Sources and methodology
Figures were retrieved in October 2026 and are estimates with margins of error. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- National Risk Index (FEMA), Montgomery County
- Disaster declarations (FEMA), Montgomery County
- NWS Houston/Galveston, TX
- Texas Windstorm Insurance Association
- Comparison figures: Montgomery County value, Montgomery County build year
- Census Bureau ACS five-year data, Conroe city: median year built, year built, home value, structure type, population, tenure
- Community Status Book (NFIP)
- Comptroller 2024 regions
- NFIP data (OpenFEMA), Montgomery County
- Census metro delineation
- Census Gazetteer files
- NOAA Storm Events Database, Montgomery County
- Texas property tax directory, Montgomery County