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Flood insurance cost · Montgomery County, TX

Flood insurance cost in Montgomery County, Texas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 20,988 home policies in force on August 31, 2026.

Montgomery County, TexasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,019a year

Half of insured homes paid between $719 and $1,258. That is 6% less than the Texas median ($1,084). Most insured homes here are rated in zone X (88%).

$0$719 · $1,019 · $1,258$1,572
+9.6% vs Aug 31, 2025 (median $930)
20,988home policies in force
$1,031average cost (mean)
12%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in Montgomery County

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$1,360$999–$1,800$1,5312,420 (12%)+10.6%
Zone A
High risk		$1,228$921–$1,401$1,22092 (0%)+10.6%
Zone X
Moderate to low risk		$977$696–$1,227$96418,475 (88%)+5.3%

Not shown (fewer than 10 home policies): VE, AO, AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Montgomery County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home20,570$1,023$1,032
2–4 unit building62$946$1,025
Manufactured (mobile) home177$1,070$1,268
Condo or apartment unit179$530$607
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		87$1,524$1,822
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		734$1,932$2,486
21,809NFIP policies in force, any building
21,848insured units (condo association policies count every unit)
96%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Montgomery County

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force23,45820,988−10.5%
Median annual cost$930$1,019+9.6%
Average annual cost$953$1,031+8.2%
All policies in force (any building)24,29521,809−10.2%

How many homes have flood insurance?

10.7%of all homes in Montgomery County have an NFIP policy
35.5%of homes in high-risk zones (special flood hazard area) have one
198,527residential buildings counted by FEMA
7,208of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Montgomery County, Texas have filed 13,050 flood claims. 11,318 received a payment, for a total of $634.2 million (an average of $56,037 per paid claim). The year with the most claims was 2017 (2,445 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1978: 158 claims, 148 paid, $940,404 in total1979: 1,000 claims, 918 paid, $11,680,314 in total1980: 18 claims, 10 paid, $30,086 in total19801981: 92 claims, 79 paid, $355,720 in total1982: 56 claims, 49 paid, $255,637 in total1983: 393 claims, 333 paid, $4,858,680 in total1984: 69 claims, 62 paid, $278,383 in total1985: 148 claims, 131 paid, $1,490,998 in total1986: 49 claims, 35 paid, $535,604 in total1987: 215 claims, 185 paid, $1,245,694 in total1989: 397 claims, 356 paid, $6,503,994 in total19901991: 46 claims, 30 paid, $166,175 in total1992: 35 claims, 20 paid, $182,634 in total1993: 71 claims, 62 paid, $836,042 in total1994: 1,149 claims, 1,064 paid, $57,903,737 in total1995: 40 claims, 32 paid, $371,762 in total1996: 10 claims1997: 59 claims, 53 paid, $549,577 in total1998: 831 claims, 750 paid, $23,889,940 in total2000: 13 claims20002001: 583 claims, 483 paid, $16,587,230 in total2002: 206 claims, 174 paid, $5,020,741 in total2003: 90 claims, 75 paid, $1,176,267 in total2004: 68 claims, 59 paid, $885,650 in total2005: 28 claims, 15 paid, $218,091 in total2006: 151 claims, 136 paid, $2,953,529 in total2007: 30 claims, 24 paid, $313,355 in total2008: 455 claims, 291 paid, $12,430,245 in total2009: 126 claims, 114 paid, $3,415,924 in total20102012: 144 claims, 121 paid, $3,921,017 in total2014: 52 claims, 43 paid, $1,244,160 in total2015: 115 claims, 88 paid, $2,196,676 in total2016: 1,661 claims, 1,436 paid, $91,464,914 in total20162017: 2,445 claims, 2,130 paid, $248,890,793 in total20172018: 50 claims, 32 paid, $960,597 in total2019: 1,298 claims, 1,218 paid, $90,258,544 in total20192020: 13 claims20202021: 53 claims, 26 paid, $465,016 in total2023: 42 claims, 30 paid, $1,020,289 in total2024: 507 claims, 431 paid, $36,572,006 in total2025: 19 claims, 14 paid, $720,704 in total2026: 27 claims, 25 paid, $1,166,513 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (42)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20262725$1,166,513$46,661
20251914$720,704$51,479
2024507431$36,572,006$84,854
20234230$1,020,289$34,010
20215326$465,016$17,885
202013<10––
20191,2981,218$90,258,544$74,104
20185032$960,597$30,019
20172,4452,130$248,890,793$116,850
20161,6611,436$91,464,914$63,694
201511588$2,196,676$24,962
20145243$1,244,160$28,934
2012144121$3,921,017$32,405
2009126114$3,415,924$29,964
2008455291$12,430,245$42,716
20073024$313,355$13,056
2006151136$2,953,529$21,717
20052815$218,091$14,539
20046859$885,650$15,011
20039075$1,176,267$15,684
2002206174$5,020,741$28,855
2001583483$16,587,230$34,342
200013<10––
1998831750$23,889,940$31,853
19975953$549,577$10,369
199610<10––
19954032$371,762$11,618
19941,1491,064$57,903,737$54,421
19937162$836,042$13,485
19923520$182,634$9,132
19914630$166,175$5,539
1989397356$6,503,994$18,270
1987215185$1,245,694$6,733
19864935$535,604$15,303
1985148131$1,490,998$11,382
19846962$278,383$4,490
1983393333$4,858,680$14,591
19825649$255,637$5,217
19819279$355,720$4,503
19801810$30,086$3,009
19791,000918$11,680,314$12,724
1978158148$940,404$6,354

From 2016 to 2026: 6,115 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

ZIP codes in Montgomery County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Unincorporated Montgomery County (18,662 home policies) · Conroe (1,394 home policies) · Oak Ridge North (183 home policies) · Shenandoah (154 home policies) · Roman Forest (134 home policies) · Woodbranch (114 home policies)