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Home Insurance in Splendora, TX
Half of the homes in Splendora were built in 1996 or earlier. Here is how the local housing stock shapes coverage and price.
The Splendora housing stock in numbers
In Splendora, 61% of occupied homes are lived in by their owners and 41% of units are detached houses. About 48% of units are manufactured homes, which typically need a policy built for that construction type.
Older, newer and in between: Splendora homes
Line up every home in Splendora by age and the one in the middle was built in 1996. Pre-1980 houses are about 21% of the stock, and post-2000 houses about 41%. Original water heaters and supply lines in homes of this age are a frequent source of water claims, so replacing them can make a home easier to insure.
$6,149/yr
About $512/mo · ~$300k-$400k dwelling class
$3,616/yr
About $301/mo after modeled shopping discount
About 41.2% below local market estimate
How much coverage a Splendora home needs
Survey samples in Splendora are small, so use the Montgomery County median home value of $346,200 as a rough guide. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
The six parts of a Splendora homeowners policy
The structure limit. It should equal what it would cost to rebuild at current labor and material prices.
Detached garages, fences, sheds and workshops, often set at 10% of Coverage A by default.
Your belongings. A room-by-room photo inventory makes claims faster.
Extra living costs if a covered loss forces you out during repairs.
Covers your legal liability for injuries or damage to others; an umbrella policy can extend it.
Guest medical coverage that can head off a liability claim.
Hazards Splendora homes are exposed to
FEMA’s National Risk Index rates overall natural-hazard risk in Montgomery County as relatively high. The highest-rated individual hazards are tornadoes (very high), lightning (very high) and ice storms (very high). Over the ten years from 2016 to 2025, NOAA recorded 26 hail events across Montgomery County. 19 of those involved stones an inch or larger, the size that commonly damages shingles. The largest reported hail was 1.75 inches on May 2, 2016.
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. Look up your address on the FEMA Flood Map Service Center to see your flood zone.
Where to look up your Splendora home
Insurers often check the appraisal district record, so confirm that what the Montgomery district shows at www.mcad-tx.org matches your home. Its office is at 109 Gladstell St. Conroe, TX 77301-4236.
For county-level data, Splendora falls under Montgomery County. Montgomery County belongs to the Houston-Pasadena-The Woodlands metropolitan area as an outlying county. By straight-line distance, Splendora is about 20 miles east of Conroe.
FAQ: Splendora home insurance
Does the age of Splendora housing affect insurance?
Census estimates put the median build year at 1996, with about 21% of homes older than 1980. Many homes from this era are on a second roof, so the roof’s age and material are key rating factors.
Should I compare quotes every year in Splendora?
Compare quotes a few weeks before renewal, and any time you replace the roof or add a structure.
How much could I save by shopping my Splendora policy?
On this page we model a 41.2% gap between the local market estimate and our estimate for Splendora. It is not a quote, and actual savings can be higher, lower or zero.
Where can I find my property details before getting a quote in Splendora?
The Montgomery appraisal district website (www.mcad-tx.org) lists square footage, year built and improvements for your property. Have those, plus your roof’s age and material, ready before you compare quotes.
Ready to price your Splendora home?
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Data sources and notes
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.
- TWIA eligibility
- County and state comparisons: Montgomery County value, Montgomery County build year
- Comptroller CAD listing, Montgomery County
- Census Bureau ACS five-year data, Splendora city: median year built, population, home value, year built, tenure, structure type
- Texas Comptroller regions
- Storm Events Database (NOAA), Montgomery County
- OMB metro and micro areas
- Census Gazetteer coordinates
- FEMA NRI county ratings, Montgomery County