Houston has 2,328,253 residents in 930,404 households. We list 751 agencies for home insurance in Houston. Here is what the local numbers say about the cover people here need.

Houston at a glance

751home insurance agencies listed
57.9%of households rentRenters insurance
$277,800median home valueHome insurance
1982median year homes were builtRebuild cost calculator
10.1%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Harris County

FEMA rates the overall natural hazard risk in Harris County, where most Houston agencies we list are located, as Very High compared with other U.S. counties. The hazards it rates highest:

HurricaneVery High
Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.
Home insurance in Houston
Inland floodingVery High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in Houston
TornadoVery High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Houston
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Houston
Ice stormVery High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Insurance companies Houston agencies work with

Of the 751 Houston agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Progressive453 agencies
Infinity317 agencies
GEICO315 agencies
Old American288 agencies
Home State284 agencies
Homeowners of America258 agencies
Porch229 agencies
GAINSCO228 agencies
Foremost220 agencies
Incline216 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Houston agencies are

Houston agencies we list sit in 121 ZIP codes, mostly in Harris County.

7708442 agencies
7703638 agencies
7707927 agencies
7705521 agencies
7708321 agencies
7704219 agencies
7707219 agencies
7707619 agencies
7702418 agencies
7709218 agencies
7705616 agencies
7705715 agencies
7707015 agencies
7707414 agencies
7706313 agencies
7708113 agencies
7700812 agencies
7703712 agencies
7708212 agencies
7700711 agencies
7705811 agencies
7706411 agencies
7700210 agencies
7700910 agencies

Questions

Home insurance in Houston

All insurance agencies in Houston · Home insurance across Texas

Where can I find home insurance in Houston?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does home insurance cover?

Covers your building, your contents and your liability as a homeowner.

Which insurance companies do Houston agencies work with?

Among the 751 Houston agencies whose appointments we hold, the companies they are most often appointed with are Progressive (453), Infinity (317), GEICO (315), Old American (288), Home State (284). An appointed agency can quote that company's policies.

Do I need flood insurance in Houston?

FEMA's National Risk Index rates inland flooding risk in Harris County as Very High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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