Home Insurance in Katy: Hurricane Coverage, Flood Zones, and What Most Policies Miss
Katy sits inland but is hurricane-exposed. Here's how to read a homeowners policy that actually protects you.
By Experts of Katy Editorial
Hurricane Harvey reminded everyone in Katy that flooding doesn't respect floodplain maps. Here's the policy review every homeowner should do.
Wind/hail deductible is separate
Most policies have a 1-2% wind/hail deductible on top of your base $1,000-$2,500. On a $500k home, that's $5k-$10k out of pocket per claim.
Flood is NOT in your homeowners policy
Even in 'low risk' Katy zones. NFIP or private flood ($500-$2,000/yr for most Katy homes) is essential.
Replacement cost vs ACV
Make sure roof and personal property are 'replacement cost' not 'actual cash value'. After 10 years, ACV pays out 30-50% of replacement.
Get quotes from multiple agents
Katy independent agents shop 10+ carriers at once.