Homeowners Insurance in Conroe, TX

For a home at Conroe's median value of $309,600, we estimate about $3,100 a year — +8% versus the Texas NAIC average of $2,864.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Conroe

Est. premium

$3,100

$258/mo · median home

Median home value

$309,600

Texas: $283,800

Median year built

2006

Census ACS

Owner-occupied

54.5%

of households

Hazard score

89.2

state ref. 87.6

Conroe's estimate reflects its home values (9% higher than the state median) and FEMA's hazard profile for Montgomery County.

Natural hazard risk in Conroe

FEMA National Risk Index — Montgomery County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively Moderate	89.6	Comprehensive (car); roof claims (home)
Tornado	Very High	99.4	Comprehensive; dwelling
Hurricane	Relatively High	93.7	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively High	95.6	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Relatively High	93.0	Comprehensive; dwelling
Winter weather	Relatively High	86.1	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Low	79.3	Comprehensive; dwelling
Earthquake	Relatively Low	66.0	Home needs a separate earthquake policy
Lightning	Very High	99.7	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Conroe

Dwelling value	Wood frame	Brick / masonry
$200,000	$2,185	$2,010
$300,000	$3,020	$2,780
$500,000	$4,545	$4,185
$750,000	$6,290	$5,785

Home Insurance Estimator

Estimated annual premium

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Per month

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Homeowners insurance by ZIP code in Conroe

ZIP	Median home value	Owner-occupied	Est. premium
77304	$355,300	57.2%	$3,460
77301	$218,600	55.0%	$2,345
77303	$240,700	74.2%	$2,535

Homeowners insurance in Texas · Car insurance in Conroe · Insurance offices near Conroe

Frequently asked questions

How much is homeowners insurance in Conroe?

For a home at Conroe's median value of $309,600, we estimate about $3,100 a year for a standard HO-3 policy with a $1,000 deductible. The Texas NAIC average is $2,864.

What are the biggest natural hazards in Conroe?

FEMA's National Risk Index rates Montgomery County relatively high or very high for tornado, hurricane, inland (river) flooding, strong wind, winter weather, and lightning.

Does the age of homes in Conroe affect insurance?

Yes. The median home in Conroe was built in 2006 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for Texas, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Montgomery County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page