Richmond has 12,582 residents in 4,756 households. We list 50 agencies for home insurance in Richmond. Here is what the local numbers say about the cover people here need.

Richmond at a glance

50home insurance agencies listed
46.5%of households rentRenters insurance
1984median year homes were builtRebuild cost calculator
5%of households have no carAuto insurance
13.9%of homes are mobile homesMobile home 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 Fort Bend County

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

LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Richmond
TornadoVery High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Richmond
HurricaneRelatively 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 Richmond
Inland floodingRelatively 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 Texas
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Richmond

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

Insurance companies Richmond agencies work with

Of the 50 Richmond agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Homeowners of America23 agencies
Porch21 agencies
Progressive21 agencies
GEICO15 agencies
Foremost14 agencies
Home State13 agencies
Incline13 agencies
Redpoint11 agencies
National General10 agencies
Agricultural Workers Mutual Auto Insurance Company9 agencies

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

Where Richmond agencies are

Richmond agencies we list sit in 3 ZIP codes, mostly in Fort Bend County.

7746918 agencies
7740616 agencies
7740716 agencies

Questions

Home insurance in Richmond

All insurance agencies in Richmond · Home insurance across Texas

Where can I find home insurance in Richmond?

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 Richmond agencies work with?

Among the 50 Richmond agencies whose appointments we hold, the companies they are most often appointed with are Homeowners of America (23), Porch (21), Progressive (21), GEICO (15), Foremost (14). An appointed agency can quote that company's policies.

Do I need flood insurance in Richmond?

FEMA's National Risk Index rates inland flooding risk in Fort Bend County as Relatively 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.

Nearby

Home insurance near Richmond

For insurance agencies

Is your Richmond agency listed?

Claim your free listing to keep your details right, then add your logo, website and social profiles.

Claim your listing