Home Insurance in Katy, TX

There is no state requirement. Mortgage contracts, HOA rules and some condo bylaws are what usually make coverage mandatory.

Homeowners policies exclude flood, so it takes a separate NFIP or private flood policy. Katy is an NFIP community, and its current flood map took effect in April 2014. Only about 1 in 9 Waller County homes carries NFIP coverage. New NFIP policies usually take 30 days to start.

Generally no. Settling and earth movement are excluded on most homeowners forms, even though drought, rated relatively high in Waller County by FEMA, can move foundations. A covered water leak that damages the slab may be the exception.

FEMA’s National Risk Index rates overall risk in Waller County as relatively low. The top-rated hazards are tornadoes (relatively high), drought (relatively high) and hurricanes (relatively moderate). Those are the perils to ask about when you compare deductibles and endorsements.

Waller County has been included in 12 natural-hazard major disaster declarations since 2000. The most recent was Hurricane Beryl, declared in July 2024. FEMA assistance is capped and is not a substitute for insurance.

Census estimates put the median build year at 2003, with about 20% of homes older than 1980. Newer homes often qualify for age-of-home credits and are easier to place with more carriers.

Search your address on the Waller appraisal district site, www.waller-cad.org. Insurers use similar data, so correct any errors in square footage or year built before quoting.

Yes. Tornadoes fall under the windstorm peril, so the wind and hail deductible applies. Waller County had 7 tornadoes in NOAA’s 2016 to 2025 records, which is a good reason to check your dwelling, other-structures and debris-removal limits.

From 2016 through 2025, NOAA logged 4 hail reports in Waller County, 3 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk relatively low. Compare how each carrier settles roof claims and what a percentage deductible would cost you out of pocket.