Homeowners insurance cost in Montgomery County, Texas
A transparent county budgeting benchmark—not a carrier quote—with a deliberately wide range.
Estimated annual insurance budget
For a $346,200 home (the county median):
$6,548/yr (budgeting range $3,929–$9,168)
Low confidence State NAIC baseline scaled by replacement cost and county hazard risk.
What drives this estimate
- NAIC HO-3 state average
- $2,397/yr
- FEMA county risk percentile
- 95.74 (Relatively High)
- Illustrative PITI
- $2,735/mo
The NAIC figure is a historical statewide average, scaled for the county median home value. FEMA's National Risk Index supplies a relative county hazard signal; it is not an insurer's underwriting model and does not include property-specific construction, deductible, credit, claims history, flood coverage, or current market repricing.
Local cost context
Montgomery County is ranked 41 from highest to lowest effective property-tax rate among 250 published Texas counties.
Its 1.52% effective tax rate is 0.31 percentage points above the state published-county average of 1.21%.
The county median home value of $346,200 is $176,950 above the Texas county median of $169,250.
FEMA risk percentile: 95.74 (Relatively High). This is relative risk context, not an underwriting score.
Similar-rate counties
- Bailey County: 1.52% property-tax rate and $105,300 median home value
- Wharton County: 1.52% property-tax rate and $189,900 median home value
- Lubbock County: 1.51% property-tax rate and $214,100 median home value
Common questions about Montgomery County insurance costs
- How much is homeowners insurance in Montgomery County, Texas?
- A planning estimate is $6,548 per year for the county median home value of $346,200. The budgeting range is $3,929 to $9,168 because carrier quotes depend on property-specific underwriting.
- Why can the real quote be different from this Montgomery County estimate?
- The model uses public county and state data, while a carrier uses roof age, construction, deductible, coverage limits, credit, claims history, distance to hazards, and current market pricing. Treat the number as an escrow planning benchmark, not an insurance quote.
- What is the combined monthly carrying-cost estimate in Montgomery County?
- With the page assumptions, monthly PITI is about $2,735. That includes principal and interest, $5,268/yr in estimated property tax, and $6,548/yr in modeled homeowners insurance.
Estimate insurance and total monthly cost
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Sources, freshness & method
Confidence: Low. Insurance varies materially by home and carrier, so this page uses a ±40% budgeting band rather than false precision.
NAIC baseline as of 2022-12-31; FEMA version 1.20 as of 2025-12-01; data version 2024.1.
Sources: NAIC Homeowners Insurance Report; FEMA National Risk Index. TrueCarry's analysis is not endorsed by FEMA.
Read the insurance and PITI methodology
Insurance disclaimer: Estimate for budgeting only — not an insurance quote and not a binding price. Verify with the county assessor and a licensed professional before making financial decisions.