HomeInsuranceQts

Home Insurance in Katy, Texas

Homes in Katy carry a median value of $401,700 - 26% higher than the Waller County median.

The typical home in Katy was built around 2003. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 4% of homes were built before 1960, about 1 point below Waller County's 6%.

In Katy, the housing stock is 88% single-family homes, 5% apartments in buildings with 5+ units and 2% mobile or manufactured homes.

In Katy, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Katy are owner-occupied.

Most homes in Katy - 63% - are primarily heated with natural gas.

Waller County had 2,052 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Waller County home insurance overview for all FEMA hazard ratings and flood coverage details.

In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).

184 licensed insurance agencies are listed for this area.

Key figures

Median home value$401,700
Median year built2003
Owner-occupied share81%
Share of owner-occupied homes with a mortgage62%
Top county hazardTornado (Relatively High)
Active NFIP policies in Waller County2,052
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for Katy, TX

Licensed insurance agencies in Katy

...and 124 more licensed agencies.

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Nearby towns

Sources

Data last updated: 2026-09-29