Katy has 25,184 residents in 7,942 households. We list 46 agencies for renters insurance in Katy. Here is what the local numbers say about the cover people here need.

Katy at a glance

46renters insurance agencies listed
19.3%of households rentRenters insurance
$401,700median home valueHome insurance
2003median year homes were builtRebuild cost calculator
2.4%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 Katy 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 Katy
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 Katy
TornadoVery High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Katy
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Katy
Ice stormVery High

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

Insurance companies Katy agencies work with

Of the 46 Katy agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Progressive22 agencies
GEICO21 agencies
Homeowners of America21 agencies
Porch21 agencies
Foremost20 agencies
Liberty Mutual20 agencies
Liberty Mutual (Safeco)20 agencies
Mercury19 agencies
National General19 agencies
Safeco19 agencies

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

Where Katy agencies are

Katy agencies we list sit in 5 ZIP codes, mostly in Harris County.

7749421 agencies
774509 agencies
774498 agencies
774936 agencies
774922 agencies

Questions

Renters insurance in Katy

All insurance agencies in Katy · Renters insurance across Texas

Where can I find renters insurance in Katy?

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.

Which insurance companies do Katy agencies work with?

Among the 46 Katy agencies whose appointments we hold, the companies they are most often appointed with are Progressive (22), GEICO (21), Homeowners of America (21), Porch (21), Foremost (20). An appointed agency can quote that company's policies.

Do I need flood insurance in Katy?

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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