Independent agents comparing homeowners quotes from 25+ carriers for Willis residents.
Typical homeowners costs in Willis
The typical homeowners insurance premium in Willis, TX is about $1,462 annually for a typical local home (typical local home value about $260,000). 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 37% lower — near $921 per year for a typical home, roughly $1,029 for a $300,000 home, about $1,448 for a $600,000 home, and around $1,884 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 Willis dwelling curve (typical local home value about $260,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Willis, TX, using a typical local home value of about $260,000. Freedom figures apply an approximate 37% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What makes Willis, TX stand out
Around 6,313 people live in Willis and sits in Montgomery County.
Willis is part of the Montgomery County area, where everyday insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
Homes are mostly single-family properties typical of the Montgomery County area; rebuild cost, roof age, and construction still explain most premium differences block by block.
Carriers rating North Texas homes commonly factor in severe thunderstorms, hail, and tornado risk common across the Plains.
Homeowners coverage basics
After a covered loss, this limit rebuilds the house itself; keep it in line with today’s local rebuild costs.
This portion applies to detached features such as a garage, shed, fence, or similar buildings that stand separate from the main house.
This covers furniture, clothing, and everyday belongings inside the home, with special limits that can apply to higher-value categories.
This coverage can help with additional living expenses when a covered claim makes the home uninhabitable for a time during repairs.
If you are legally responsible for bodily injury or property damage to others in a covered incident, this part responds.
It can help pay guest medical bills for injuries that occur on your property, often without requiring a formal liability claim.
Ways to cut the premium in Willis, TX
| 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% |
Every insurer decides which discounts it offers and how large they are. “Up to” is the high end, not a promise.
What affects home insurance prices in Willis
Willis homeowners are priced on several related factors that underwriters check when they build a quote. Rebuild cost, roof age and material, and local storm or wildfire exposure tend to move the number most, while deductible choice and claims history can shift the final premium as much as the carrier brand itself.
Define replacement cost as what rebuilding would cost your home in like-kind materials at today’s labor and material prices. Because the carrier’s largest possible payout rises with the rebuild estimate, bigger estimates for Willis houses usually lift premiums.
Construction type and roof details also matter: frame versus masonry walls, roof covering, and overall build quality all affect how a property holds up in wind, hail, and fire common across Texas.
Storm, hail, wildfire, and crime scores make up location risk, and they vary by ZIP code and neighborhood in Willis, meaning homes with similar rebuild costs can still get different prices.
Underwriters score fire protection using the local protection class and hydrant and station distance; a stronger profile often brings a more competitive price.
A recent claim on the house or by anyone in the household may lift the price on Willis renewals and new quotes alike, because claims history remains a major rating input.
Credit-based insurance score, where state law permits, is another input; stronger scores usually correlate with cheaper premiums when the carrier uses it.
Willis, TX home & auto bundle savings
The amounts shown show average bundling savings, not a guaranteed quote. Actual savings depend on carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Willis, Texas | $258 | $436 | $636 |
Housing and weather facts for Willis
Tornadoes are part of the picture too: NOAA logged 1 tornado starting within 10 miles of Willis in 2016–2025, the strongest rated EF1 during May 2016.
Since 2000, Montgomery County has appeared in 15 major disaster declarations; the latest was Hurricane Beryl (July 2024).
FEMA’s National Risk Index flags hail (“Relatively Moderate”), tornado (“Very High”), winter-weather (“Relatively High”), and strong-wind (“Relatively High”) in Montgomery County.
Occupied homes in Willis are heated mostly with electricity (86%) and utility gas (14%).
Half of Willis’ homes were built in or before 1995. About 25% of homes were built in 2010 or later, and age-of-home discounts come up often.
NOAA storm records show 4 hail reports within about 5 miles of Willis from 2016 through 2025; 3 were one inch or bigger. The biggest measured 1.75 inches in May 2016 near Willis.
The Census Bureau’s 2020–2024 American Community Survey counts about 2,373 housing units in Willis, and owners occupy close to 61% of the occupied homes. Of all units, 55% are detached single-family houses, 18% are in buildings with two or more units, and 23% are mobile homes.
By the historical record, Willis was founded in 1870 and incorporated in 1937. Willis’ population went from 3,985 at the 2000 Census to 5,662 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 7,222. Growth since 2000 comes to roughly 81%.
Older NOAA hail logs add more history: NOAA’s Storm Prediction Center counts 21 hail reports within 5 miles of Willis between 1955 and 2015; the biggest stones, 2.75 inches, fell on May 20, 1983. 3 of those reports were 2 inches or larger. NOAA Storm Prediction Center records list 20 tornadoes that began within 10 miles of Willis from 1950 through 2015; the most powerful, rated F3, touched down on December 12, 1968.
Looking at neighboring communities? We also have home insurance pages for Conroe (7 mi), Montgomery (13 mi), and The Woodlands (18 mi).
ZIP codes we insure in and around Willis
77318 · 77378
More Texas insurance guides
Request home insurance quotes for Willis, TX
Freedom Insurance Group shops 25+ carriers for Willis residents. To get started, request a home quote on our site or dial (800) 253-1482.
