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Home Insurance in Willis, TX
Side-by-side numbers for Willis, Montgomery County and the state, covering housing, hazards and flood insurance.
$5,822/yr
About $485/mo · ~$300k-$400k dwelling class
$3,709/yr
About $309/mo after modeled shopping discount
About 36.3% below local market estimate
Willis, Montgomery County and Texas side by side
| Measure | Willis | Montgomery County | Texas |
|---|---|---|---|
| Median home value | – | $346,200 | $283,800 |
| Median year built | 1995 | 2004 | 1992 |
| Owner-occupied homes | 61% | 72% | 63% |
| Single-family detached | 55% | 68% | 64% |
| Built before 1980 | 7% | 14% | 33% |
| Built 2000 or later | 42% | 60% | 39% |
| Manufactured homes | 23% | 12% | 6% |
The housing stock in Willis is older than Montgomery County’s overall, by median build year (1995 versus 2004). Owner-occupancy is lower than the county figure (61% versus 72%). Manufactured homes are more common in Willis (23% of units) than across Montgomery County (12%).
For a small place like Willis, the survey margin on home values is wide, so the county median of $346,200 is a steadier reference. Your dwelling limit should be built from square footage, materials and local labor costs rather than what the house would sell for.
Montgomery County hazards and storm counts
| 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 | – |
Montgomery County lands in the relatively high category of FEMA’s National Risk Index. The individual hazards that stand out are tornadoes (very high), lightning (very high) and ice storms (very high).
Since 2000, Montgomery County has been included in 14 federal major disaster declarations for natural hazards. Among the most recent are Hurricane Beryl (2024), Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024) and Severe Winter Storms (2021).
What the comparison means for your policy
- 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.
- The city takes part in the National Flood Insurance Program, which makes federal flood policies available. The flood insurance rate map in effect was issued in August 2014. In Montgomery County, roughly 1 home in 9 has federal flood coverage (21,232 residential policies in force). Since 2016, 6,116 NFIP flood claims have come from Montgomery County. Since homeowners forms exclude flood, plan ahead: most NFIP policies only take effect after a 30-day waiting period.
- According to the Census Bureau, the typical home in Willis went up around 1995. About 7% of homes went up before 1980, while 42% were built in 2000 or later. Some homes from the late 1970s through the mid-1990s used polybutylene supply lines, a material some insurers ask about during underwriting.
Contacts for Willis homeowners
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. The NWS Houston/Galveston, TX office handles forecasts and storm warnings for Willis. Its assigned radar site for Willis is KHGX.
Willis belongs to Montgomery County. Montgomery County counts as an outlying county of the Houston-Pasadena-The Woodlands metro area. Head about 7 miles from Willis and you reach Conroe, the nearest larger city.
FAQ: Willis home insurance
What does FEMA’s risk index say about Montgomery County?
FEMA’s National Risk Index rates overall risk in Montgomery County as relatively high. Its standout hazards are tornadoes (very high), lightning (very high) and ice storms (very high). Those are the perils to ask about when you compare deductibles and endorsements.
How often has Montgomery County had federal disaster declarations?
Since 2000, FEMA has declared 14 natural-hazard major disasters that include Montgomery County. The most recent was Hurricane Beryl, declared in July 2024. Federal aid for homeowners is limited and often comes as SBA disaster loans, so insurance remains the main way to recover.
Can I get TWIA windstorm coverage in Willis?
No, Montgomery County is not in TWIA territory. Look instead at the wind and hail deductible on your homeowners quotes, since that is where storm costs land.
Can I get competitive quotes in Willis from carriers outside the area?
Yes. Pricing depends on your address and home, not the agent’s office. Whether you are in Willis or Conroe, about 7 miles away, an independent agency can shop multiple carriers remotely.
Request a Willis homeowners quote
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Data sources and notes
All public data on this page was pulled in October 2026. Census numbers are survey estimates. Premium figures in the estimate cards are illustrative models, not quotes.
- TWIA coverage area
- OMB metro and micro areas
- Census Gazetteer coordinates
- County and state comparisons: Montgomery County value, Montgomery County build year, Texas value
- Census ACS 2020–2024, Willis city: median year built, year built, structure type, home value, tenure, population
- National Risk Index (FEMA), Montgomery County
- FEMA Community Status Book
- NOAA NCEI storm reports, Montgomery County
- Texas Comptroller regions
- FEMA disaster declarations, Montgomery County
- NWS Houston/Galveston, TX
- Comptroller CAD listing, Montgomery County
- OpenFEMA flood insurance data, Montgomery County