Insurance in Conroe, Texas

Local risk: the federal disaster record in Conroe

Since 2000, FEMA has made 27 disaster, emergency or fire-management declarations covering Montgomery County. By type:

• Hurricanes and coastal storms: 10
• Wildfires: 7
• Floods: 4
• Severe storms (hail, wind, tornadoes): 2
• Winter and ice storms: 2

Most recent major disaster declarations:

• 2024: Hurricane Beryl
• 2024: Severe Storms, Straight-Line Winds, Tornadoes, And Flooding
• 2021: Severe Winter Storms
• 2019: Tropical Storm Imelda

Wildfire risk makes replacement-cost coverage, adequate dwelling limits and additional living expenses coverage especially important. Keep a home inventory somewhere other than your home.

Flood damage isn't covered by standard home, renters or business policies. Flood insurance through the NFIP usually has a 30-day waiting period, so it has to be in place well before a storm. For cars, flood damage falls under comprehensive coverage.

Not every hurricane declaration here means a storm hit: many were emergency declarations for sheltering evacuees from the coast, or statewide declarations. Conroe is far from storm surge, but tropical systems moving inland can still bring heavy rain and strong wind. Check your wind and hail deductible and whether you need a separate flood policy, since home policies leave flooding out.

Declarations count how often federal help was declared, not how bad each event was. Statewide declarations (such as the February 2021 winter storm) are counted for every county, and the total includes the two 2020 COVID-19 declarations, which aren’t listed by type. These are Montgomery County figures; FEMA doesn't publish them by city.

Home insurance in Conroe

Montgomery County isn't in TWIA's coastal area, so wind and hail are usually covered by your regular home policy, often with a separate wind and hail deductible. If you can't find coverage at all, the Texas FAIR Plan is the last-resort option.

Flooding isn’t covered by standard home or renters policies anywhere in Texas. With 14 flood or hurricane declarations in Montgomery County since 2000, it's worth pricing a flood policy even outside a mapped flood zone.

Texas law also sets claim deadlines: your insurer must acknowledge a claim within 15 days and accept or deny it within 15 business days of getting what it needs. See Texas home insurance.

Car insurance in Conroe

Every Texas driver needs at least 30/60/25 liability coverage. PIP is included and uninsured motorist coverage must be offered unless you reject them in writing. Given the storm and flood history here, comprehensive coverage, which pays for hail and flood damage to your own car, matters more than the minimum suggests. Rates vary by ZIP code within Conroe. See Texas car insurance.

Medicare in Conroe

124,457 Montgomery County residents are eligible for Medicare, and 52.24% of them are enrolled in a Medicare Advantage plan (CMS, September 2026). Plans are sold by county, so compare what’s available in your ZIP code on the Medicare Plan Finder, and review your coverage during Open Enrollment, October 15 to December 7.

Free, unbiased Medicare counseling for Montgomery County comes from the Houston-Galveston AAA (713-627-3200), part of Texas’s HICAP program. See Medicare in Texas.

ZIP codes in Conroe

77301 · 77302 · 77303 · 77304 · 77305 · 77306 · 77384 · 77385

Common questions