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Splendora, TX: the local picture
About 1,684 people live in Splendora, located in Montgomery County.
For a smaller Texas place like Splendora, what matters for insurance is local construction, access to fire protection, and regional storm patterns.
Local housing is largely single-family homes typical of the Montgomery County area, and replacement cost, roof age, and construction type still account for most premium differences block by block.
North Texas homes are often rated for severe thunderstorms, hail, and tornado risk common across the Plains.
Average cost of homeowners insurance in Splendora
The typical homeowners insurance premium in Splendora, TX is about $1,516 annually for a typical local home (typical local home value about $272,500). For a $300,000 dwelling, expect around $1,633 per year; for a $600,000 home about $2,298; and for a $1,000,000 dwelling about $2,990. Freedom Insurance Group rates are often about 38% lower — near $940 per year for a typical home, roughly $1,012 for a $300,000 home, about $1,425 for a $600,000 home, and around $1,854 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,270 |
| $200,000 – $300,000 | $1,419 |
| $300,000 – $400,000 | $1,742 |
| $400,000 – $500,000 | $1,972 |
| $500,000 – $600,000 | $2,195 |
| $600,000 – $700,000 | $2,370 |
| $700,000 – $800,000 | $2,515 |
| $800,000 – $900,000 | $2,705 |
| $900,000 – $1,000,000 | $2,895 |
Band premiums are midpoints on the Splendora dwelling curve (typical local home value about $272,500). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Splendora, TX, using a typical local home value of about $272,500. Freedom figures apply an approximate 38% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Coverage basics for homeowners
- Dwelling (Coverage A): This is the limit that pays to rebuild the house itself after a covered loss, and it should track current reconstruction costs in your area.
- Other structures (B): Coverage for anything detached from the main house, for example a garage, shed, or fence.
- Personal property (Coverage C): Protects what is inside the house: furniture, clothing, and everyday items. Higher-value categories can be subject to special limits.
- Loss of use (D): Temporary housing and related costs until repairs are done after a covered claim makes it unlivable.
- Personal liability (Coverage E): If you are legally responsible for someone else’s injury or property damage after a covered incident, this coverage steps in.
- Medical payments (Coverage F): When a guest gets hurt on your property, this covers medical costs, often without a formal liability claim.
Discounts for Splendora, TX homeowners
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Which discounts apply and how much they are worth differ from carrier to carrier. “Up to” marks the top of the range, not a guaranteed amount.
What shapes home insurance prices in Splendora
Splendora homeowners are priced on several related factors that underwriters review when they build a quote. Most of the price comes from rebuild cost, the roof’s age and material, and local storm or wildfire exposure; your deductible and claims record can change the final premium as much as the carrier brand itself.
Rebuilding your house in comparable materials at today’s labor and supply prices is what replacement cost captures. Because the carrier’s maximum payout climbs with the rebuild estimate, bigger estimates for Splendora houses generally raise premiums.
Frame or masonry walls, the roofing material, and general construction quality all influence how a house performs in Texas’s wind, hail, and fire events, so construction type and roof details carry weight.
Similar Splendora houses with close rebuild estimates may still get different quotes because of location risk: storm, hail, wildfire, and crime scores that shift by ZIP code and neighborhood.
Fire protection counts as well: a nearby hydrant, a short drive to the fire station, and the local protection class may all help the price.
Underwriters review claims history closely; fresh claims on the property or household can push rates up for Splendora renewals and new policies.
Credit-based insurance score is a lever too where rules allow: insurers relying on it generally offer lower premiums for stronger scores.
What public data says about Splendora homes
Home heating in Splendora runs mainly on electricity (74%), utility gas (15%), and propane or other bottled gas (7.2%). Wood stoves and propane tanks should be disclosed when you apply, since they can affect eligibility.
The NOAA Storm Events Database logged 1 hail report within about 5 miles of Splendora from 2016 through 2025, and it was at least one inch across. The largest measured 1.75 inches in March 2024 near Plum Grove.
ACS 2020–2024 estimates put about 763 housing units in Splendora, and owner-occupants live in roughly 61% of the occupied homes. Of all units, 41% are detached single-family houses and 48% are mobile homes.
The National Risk Index from FEMA shows elevated ratings for hail (“Relatively Moderate”), tornado (“Very High”), winter-weather (“Relatively High”), and strong-wind (“Relatively High”) in Montgomery County.
Splendora’s median year built is 1996. The stock is mixed: 21% date from before 1980 and 22% went up in 2010 or later.
Named communities and subdivisions in USGS place-name records near Splendora include Forest Estates, Deerbrook, Hill and Dale Terrace, and Lake Spendora. Older and newer sections can quote differently based on build era, roof, and fire protection.
From 2000 on, Montgomery County has appeared in 15 major disaster declarations; the most recent was Hurricane Beryl (July 2024).
On tornadoes, NOAA lists 1 tornado starting within 10 miles of Splendora between 2016 and 2025, the strongest rated EF0 in March 2017.
Splendora was incorporated in 1966. The Census Bureau counted 1,275 people in Splendora at the 2000 Census and 1,615 at the 2010 Census; its July 2024 estimate is 2,063. Growth since 2000 comes to roughly 62%.
Older NOAA hail logs add more history: the Storm Prediction Center lists 3 hail reports within 5 miles of Splendora between 1955 and 2015, topped by hail of 0.75 inches on October 22, 1994. NOAA Storm Prediction Center records list 9 tornadoes that began within 10 miles of Splendora from 1950 through 2015, the strongest an F2 on April 18, 1979.
Comparing homes in nearby towns? Nearby home insurance pages: Cleveland (9 mi), Atascocita (17 mi), and Spring (18 mi).
ZIP codes we cover in and around Splendora
77372
Home-and-auto bundles in Splendora, TX
Illustrative average bundling savings, not guaranteed. Actual savings come down to the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Splendora, Texas | $258 | $436 | $636 |
See more Texas coverage guides
Get home insurance quotes in Splendora, TX
Splendora homeowners get a comparison of 25+ carriers with Freedom Insurance Group. Ready when you are: request a home quote online or dial (800) 253-1482.
