Home / Texas Home Insurance Locations / New Caney
Home Insurance in New Caney, TX
See where New Caney stands against county and statewide figures before you compare home insurance quotes.
$6,373/yr
About $531/mo · ~$300k-$400k dwelling class
$3,613/yr
About $301/mo after modeled shopping discount
About 43.3% below local market estimate
New Caney compared with Montgomery County and Texas
| Measure | New Caney area | Montgomery County | Texas |
|---|---|---|---|
| Median home value | $246,200 | $346,200 | $283,800 |
| Median year built | 2004 | 2004 | 1992 |
| Owner-occupied homes | 74% | 72% | 63% |
| Single-family detached | 56% | 68% | 64% |
| Built before 1980 | 19% | 14% | 33% |
| Built 2000 or later | 55% | 60% | 39% |
| Manufactured homes | 36% | 12% | 6% |
By median build year, New Caney (2004) and Montgomery County (2004) are similar. Manufactured homes are more common in New Caney (36% of units) than across Montgomery County (12%).
The median owner-estimated home value in the ZIP code area around New Caney (ZCTA 77357) is $246,200. The county-wide figure is higher, at $346,200. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
Weather risk in Montgomery County, rated
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Moderate | 26 hail reports |
| Tornadoes | Very High | 7 tornadoes |
| Strong wind | Relatively High | 73 thunderstorm wind reports |
| Inland flooding | Relatively High | 23 flash floods |
| Hurricanes | Relatively High | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively High | – |
| Drought | Relatively Moderate | – |
| Lightning | Very High | – |
FEMA’s county-level National Risk Index puts Montgomery County in the relatively high band overall. Among individual perils, the top ratings go to tornadoes (very high), lightning (very high) and ice storms (very high).
Counting from 2000, 14 major disaster declarations for natural hazards have included Montgomery County. Recent ones: Hurricane Beryl (2024), Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024) and Severe Winter Storms (2021).
Coverage takeaways for New Caney
- Wind coverage in Montgomery County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote.
- Flood insurance for unincorporated areas is handled through Montgomery County, which participates in the National Flood Insurance Program. NFIP data counts 21,232 residential flood policies in Montgomery County, about 1 for every 9 homes. NFIP records show 6,116 flood claims in the county since 2016. A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin.
- 2004 is the median year built for housing units in the ZIP code area around New Caney (ZCTA 77357). Pre-1980 houses are about 19% of the stock, and post-2000 houses about 55%. Builders’ finishes in newer homes, such as stone counters and custom trim, push replacement cost up, so check that Coverage A keeps pace.
Where to verify New Caney details
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. You can also visit the office at 109 Gladstell St. Conroe, TX 77301-4236. Severe weather warnings for New Caney come from the NWS Houston/Galveston, TX office. The associated NEXRAD radar is KHGX.
For county-level data, New Caney falls under Montgomery County. Commuting ties put Montgomery County in the Houston-Pasadena-The Woodlands metro as an outlying county. The nearest bigger city is Conroe, about 22 miles from New Caney as the crow flies.
New Caney coverage questions
What natural hazards affect New Caney homes most?
Montgomery County is rated relatively high overall in FEMA’s National Risk Index. The highest individual ratings are for tornadoes (very high), lightning (very high) and ice storms (very high). Use that list to decide where higher limits or a lower deductible are worth the premium.
Is homeowners coverage mandatory for New Caney homeowners?
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.
Can I get competitive quotes in New Caney from carriers outside the area?
Yes. Pricing depends on your address and home, not the agent’s office. Whether you are in New Caney or Conroe, about 22 miles away, an independent agency can shop multiple carriers remotely.
How much dwelling coverage do New Caney homes need?
Enough to rebuild, which is not the same as market value. Census data puts the New Caney median at $246,200, but your dwelling limit should equal what it would cost to rebuild the house at today’s labor and material prices.
Compare New Caney home insurance quotes
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Sources for this New Caney page
New Caney is unincorporated and not a separate Census place, so Census figures on this page are for ZIP code area 77357, which may extend beyond the community. Figures were retrieved in October 2026 and are estimates with margins of error. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- Comptroller 2024 regions
- NWS Houston/Galveston, TX
- FEMA NRI county ratings, Montgomery County
- Storm Events Database (NOAA), Montgomery County
- Census CBSA delineation
- Census Gazetteer files
- Comptroller county directory, Montgomery County
- Comparison figures: Montgomery County value, Montgomery County build year, Texas value
- American Community Survey 2020–2024, ZCTA 77357: tenure, year built, home value, population, median year built, structure type
- Disaster declarations (FEMA), Montgomery County
- NFIP data (OpenFEMA), Montgomery County
- TWIA eligibility