Baytown has 85,205 residents in 30,964 households. We list 6 agencies for renters insurance in Baytown. Here is what the local numbers say about the cover people here need.

Baytown at a glance

6renters insurance agencies listed
47.7%of households rentRenters insurance
$197,300median home valueHome insurance
1981median year homes were builtRebuild cost calculator
8.7%of households have no carAuto insurance
5.6%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 Harris County

FEMA rates the overall natural hazard risk in Harris County, where most Baytown 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 Baytown
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 Texas
TornadoVery High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Baytown
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Baytown
Ice stormVery High

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

Where Baytown agencies are

Baytown agencies we list sit in 3 ZIP codes, mostly in Harris County.

775233 agencies
775212 agencies
775221 agency

Questions

Renters insurance in Baytown

All insurance agencies in Baytown · Renters insurance across Texas

Where can I find renters insurance in Baytown?

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 renters insurance cover?

Covers your belongings and your liability when you rent rather than own.

Do I need flood insurance in Baytown?

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.

Nearby

Renters insurance near Baytown

For insurance agencies

Is your Baytown agency listed?

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

Claim your listing