OUT OFTHE STORMNEWS

Independent insurance-cost data from public records.

June 2026 NFIP transactions

Flood Insurance Costs in Montgomery County, Texas

In June 2026, NFIP policies newly written or renewed in Montgomery County averaged $830 in premium and $1,072 in total policy cost across 3,091 transactions.

What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.

Average premium
$830

newly written or renewed policies

Average total cost
$1,072

premium plus included fees

Transactions
3,091

minimum published threshold: 100

State premium rank
21 of 35

eligible counties in Texas

Montgomery County, state, and national comparison

The county average premium was 12.2% below the state transaction average and 17.1% below the national transaction average. Its total policy cost was 12.1% below the state figure and 16.8% below the national figure.

GeographyAvg premiumAvg total costTransactions
Montgomery County$830$1,0723,091
Texas$945$1,22173,547
United States$1,001$1,289452,418

Montgomery County sits at state premium rank 21 of 35, with a $830 average that was 12.2% below the state transaction average. Its 3,091 transactions averaged $1,072 in total policy cost, 29.3% above premium.

Descriptive rank context

Premium in Texas
21 of 35
Premium nationally
219 of 330
Transaction volume nationally
31 of 330

Method nfip-county-ranks-v1. Premium ranks sort the same 330 eligible county rows by average premium, then transaction count, then FIPS; the state rank uses that state's eligible subset. Volume rank sorts by transaction count, then FIPS. These ranks describe one source month and are not a score or recommendation.

Method and limitations

  • The figures describe policies newly written or renewed in June 2026; they are not FEMA's official average across all in-force policies.
  • Only named counties with matching state and five-digit FIPS codes, finite cost values, and at least 100 transactions enter the comparison population.
  • A monthly county average can change with the mix of properties renewing. It is not a household quote and does not include private flood insurance.
  • State and national values use the same transaction-based source month. A larger sample does not mean a lower or higher household price.

Source: FEMA OpenFEMA NFIP policy transaction data (NFIP Redacted Policies v3). Snapshot generated 2026-08-30; source event through 2026-06-30. Read the complete methodology.

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