Showing ordinances that apply to The Woodlands CDP (part), Montgomery County, Texas, TX
The Woodlands CDP (part), Montgomery County, Texas is an unincorporated community (population 98,066) in Montgomery County, Texas. Because The Woodlands CDP (part), Montgomery County, Texas is not an incorporated city, it does not have its own municipal code. Instead, Montgomery County ordinances apply directly to properties here. The insurance requirements rules below are the ones that govern your area.
Conroe requires $500K minimum STR liability insurance. Texas has no statewide STR insurance mandate. Montgomery County cannot impose one in unincorporated areas. Platform coverage (Airbnb AirCover) often does not satisfy city requirements.
Conroe STR permitting (Code Ch. 26) requires proof of commercial liability insurance with minimum $500,000 per-occurrence coverage, naming the city as certificate holder at renewal. Standard TDI-approved HO-3 homeowner policies in Texas typically exclude commercial rental activity exceeding 30 days per year, requiring a dwelling-fire (DP-3) policy or commercial STR endorsement. Willis and Magnolia currently lack city-specific STR insurance mandates but most mortgage lenders require equivalent coverage contractually. In unincorporated Montgomery County, no insurance ordinance can be enforced — counties lack zoning authority and HB 2127 further preempts. Airbnb AirCover and Vrbo Liability Insurance offer up to $1M host protection, but Conroe specifically requires proof of separate underlying policy, not platform-provided coverage. The Woodlands generally prohibits STR in covenanted villages regardless of insurance. Mortgage-required and lender-mandated insurance remains separate.
Conroe permit renewal without proof of insurance: permit denied or suspended. Uninsured STR operating: fines $250-$2,000 plus permit revocation. Homeowner may face personal liability for uncovered claims.
See how The Woodlands CDP (part), Montgomery County, Texas's insurance requirements rules stack up against other locations.
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