Storm and Flood Insurance in Willis & Montgomery County: What Homeowners Need to Know

Here in Willis, Conroe, and Montgomery County, late summer often means strong thunderstorms, heavy rain, and even the threat of hurricanes. If you own a home in our area, you probably know how quickly the weather can turn severe. What many don’t realize is that a standard homeowners insurance policy may not cover all types of storm damage—especially flooding.

At TGH Insurance in Willis, Texas, we help local families understand their coverage and prepare before storm season peaks. Here’s what you should know:

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Does Homeowners Insurance Cover Flood Damage in Texas?

• Most standard homeowners insurance does NOT cover flood damage
• Flood insurance must be purchased separately through the National Flood Insurance Program (NFIP) or a private insurer
• Flooding from Lake Conroe overflow, storm surge, or heavy rain is excluded from standard policies
• If your home is in a high-risk flood zone in Montgomery County, your lender may require flood coverage

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Wind and Hail Damage in Montgomery County

• Wind and hail damage are typically covered by homeowners policies
• Some policies have separate deductibles for windstorms and hurricanes, especially in Texas coastal and near-coastal counties
• Roof damage, fallen trees, and debris impact are usually covered, but tree removal and cleanup may not be
• It’s smart to review your deductibles before hurricane season begins

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Renters & Condo Owners in Conroe and Willis

• Renters should confirm their policy covers personal belongings damaged by storms
• Condo owners need to review both their condo policy and the HOA’s master policy to avoid coverage gaps
• Flood insurance is available to renters and condo owners, not just single-family homeowners

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How to Get Ready for Storm Season in Montgomery County

1. Schedule a policy review with TGH Insurance
2. Ask about windstorm deductibles, exclusions, and flood insurance options
3. Consider whether your location near Lake Conroe or the San Jacinto River puts you at higher risk
4. Make a habit of reviewing your policy every summer before storm season

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Tips for Protecting Your Willis or Conroe Home

• Clean gutters and downspouts before heavy rains
• Trim tree branches that could fall in high winds
• Install a sump pump or water detection system in crawl spaces
• Keep an updated home inventory (photos or video) for smoother claims

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Talk to a Local Agent Who Knows Montgomery County

Storms don’t wait—and neither should you. As an independent insurance agency right here in Willis, we understand the risks our neighbors face and can help you customize protection for your home, condo, or rental property.

Contact TGH Insurance today for a storm-season coverage review. Whether you live in Willis, Conroe, Montgomery, or along Lake Conroe, we’ll help make sure you have the right protection before the next storm rolls in.