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Home Insurance in Montgomery, TX
From build years to owner-occupancy, the makeup of Montgomery’s housing explains much of what insurers ask. This guide starts with the homes themselves.
Montgomery homes at a glance
Owners live in 54% of occupied homes, and detached single-family houses account for about 56% of the stock. Apartments and other buildings of five or more units account for roughly 34% of homes here, which makes renters and condo coverage common needs.
How age and construction affect a Montgomery quote
Census estimates put the median construction year for homes in Montgomery at 2013. Homes built before 1980 make up about 7% of the total; those built since 2000 account for 83%. With so much newer housing, ask carriers whether they offer a new-construction credit and how long it lasts.
$6,331/yr
About $528/mo · ~$300k-$400k dwelling class
$3,811/yr
About $318/mo after modeled shopping discount
About 39.8% below local market estimate
Setting the dwelling limit in Montgomery
The typical owner-occupied home in Montgomery is valued at about $363,200. The Montgomery County median is similar, at $346,200. Market value includes land and location, so it is not the same as the cost to rebuild; insure the dwelling to a replacement-cost estimate instead.
What each coverage does for Montgomery owners
Covers the house. Lenders require it, and it is the base that percentage deductibles are calculated from.
Fences and outbuildings. The default limit is often a percentage of Coverage A, which can be too low on larger lots.
Contents coverage, with special lower limits for jewelry, firearms and collectibles unless scheduled.
Hotel, meals and other added costs while the home is uninhabitable after a covered claim.
Legal defense and damages if someone is hurt on your property or you damage someone else’s.
Small medical bills for guests injured at your home, regardless of fault.
Storm and flood context for Montgomery
Taking all natural hazards together, FEMA rates Montgomery County relatively high. The individual hazards that stand out are tornadoes (very high), lightning (very high) and ice storms (very high). NOAA’s Storm Events Database logs 26 hail reports in Montgomery County from 2016 through 2025. In 19 cases the hail was an inch across or bigger. The top report was 1.75-inch hail on May 2, 2016.
TWIA does not write in Montgomery County; wind and hail claims go through your regular homeowners policy, which may carry its own wind/hail deductible. Your flood zone is a quick search away on the FEMA Flood Map Service Center.
Records to check before you quote
The Montgomery County appraisal district (www.mcad-tx.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. The district office address is 109 Gladstell St. Conroe, TX 77301-4236.
Montgomery is in Montgomery County. Montgomery County counts as an outlying county of the Houston-Pasadena-The Woodlands metro area. Head about 13 miles from Montgomery and you reach Conroe, the nearest larger city.
Montgomery housing and coverage questions
Why do insurers ask when my Montgomery home was built?
Half the homes were built by 2013, and roughly 7% are pre-1980, according to the Census Bureau. Recent construction usually prices well, though rebuild costs for newer finishes can be high.
Do I need separate flood insurance in Montgomery?
Homeowners policies exclude flood, so it takes a separate NFIP or private flood policy. Montgomery is an NFIP community, and its current flood map took effect in August 2014. Only about 1 in 9 Montgomery County homes carries NFIP coverage. Most NFIP policies begin after a 30-day wait, so do not wait for a storm forecast.
What home details should I have ready for a Montgomery quote?
Search your address on the Montgomery appraisal district site, www.mcad-tx.org. Insurers use similar data, so correct any errors in square footage or year built before quoting.
Does Texas law require home insurance in Montgomery?
Texas does not mandate homeowners insurance, yet nearly every mortgage requires it. Owners without a loan still carry the full cost of a fire, hail or theft loss if uninsured.
Get a Montgomery home insurance quote
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Sources for this Montgomery page
All public data on this page was pulled in October 2026. Census numbers are survey estimates. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- Census ACS 2020–2024, Montgomery city: population, structure type, home value, median year built, tenure, year built
- OpenFEMA flood insurance data, Montgomery County
- Comparison figures: Montgomery County value, Montgomery County build year
- Census CBSA delineation
- Census Gazetteer files
- FEMA National Risk Index, Montgomery County
- Texas Windstorm Insurance Association
- NOAA Storm Events Database, Montgomery County
- Comptroller county directory, Montgomery County
- Comptroller 2024 regions
- Community Status Book (NFIP)