Positioned at the US-290, I-10 crossroads in Waller County (63,553 residents; area code 77445; 513.3 sq. mi. county footprint), a 30.6% tenant share, $358,700 typical home values, and 1,048 businesses (Construction & Specialty Trades) drive auto, HO-4, DP-3, and BOP demand.
Set to the $358,700 local single-family benchmark (Zillow ZHVI (Sept 2026)). Both owner-occupants (69.4%) and DP-3 rental property investors can test 1% ($3,587) through 5% wind/hail deductible tiers across different roof materials.
| Metric | Waller Co. | TX Benchmark | Delta / Rating Signal |
|---|---|---|---|
| NOAA Hail (2016–2025) | 4 events (1.50" max, 2020) | 33 median | -29 vs. TX county median |
| Severe Wind & Tornadoes | 17 wind • 7 tornadoes | 30 wind med. | -13 wind events (77.4% rural area) |
| FEMA NFIP Penetration | 1,927 policies (8.4% SFHA) | 504,754 TX total | 1,481 of 17,566 homes in SFHA |
| Disaster Declarations (20-Yr) | 18 federal events | FEMA Title V | Latest: Severe Storms, Straight-Line Winds, Tornadoes, And Flooding (2024) |
| Typical Dwelling Value | $358,700 | $206,100 med. | 1.74× TX county median (+12.0% pop.) |
| Owner / Renter Split | 69.4% Own / 30.6% Rent | 62.4% / 37.6% | -7.0 pts renter share ($75,223 med. inc.) |
| Commute & Corridors | 79.2% solo (52.5% 30m+) | 38.9% 30m+ | Routes: US-290, I-10, SH-6, FM-359 |
| Traffic Fatality Index | 18.9 / 100k | 13.5 / 100k | 1.40× statewide crash mortality |
| Private Businesses (CBP) | 1,048 establishments | NAICS census | Construction & Specialty Trades (163); Wholesale Distribution (103); Manufacturing & Fabrication (102) |
| Appraisal & Jurisdiction | Waller County Appraisal District | Gulf Coast | FIPS 48473 • 513.3 sq. mi. |
With 30.6% of occupied units rented across Waller County, property managers mandate $100k–$300k tenant liability. HO-4 policies also insure electronics, furniture, bikes, and temporary living expenses after covered fire or pipe-burst losses.
High driver turnover along US-290, I-10 increases collision and uninsured claims. Shop multi-carrier personal auto for young drivers, commuter households, non-owner filings, and electronic Texas DPS SR-22 certificates.
Leasing a $358,700 single-family house or duplex voids standard owner-occupied HO-3 coverage. DP-3 landlord policies cover structural wind/hail (17 decade wind events), Fair Rental Value loss of rent, and premises liability.
Serving 1,048 enterprises across Waller County, Business Owners Policies combine commercial property, general liability, and business income interruption for restaurants, retail storefronts, and offices.
All incorporated places and residential ZCTAs across 513.3 sq. miles (77445, 77423, 77484, 77447, 77493, 77466):
| Place | ZIP | Population | Type |
|---|---|---|---|
| Katy | 77493 | 21,926 | CITY |
| Prairie View | 77446 | 6,464 | CITY |
| Hempstead | Shared ZCTA | 5,709 | County Seat |
| Brookshire | 77423 | 5,188 | CITY |
| Waller | 77484 | 3,337 | CITY |
| Pine Island | Shared ZCTA | 1,684 | TOWN |
| Pattison | 77423 | 586 | CITY |
Yes—across Waller County (4 decade hail events; 17 wind events), certified UL 2218 Class 4 impact shingles and metal roofs typically qualify for 10%–22% wind/hail credits, provided you review whether the carrier attaches a cosmetic hail-dent exclusion.
HO-4 policies satisfy landlord lease mandates ($100k–$300k personal liability), replace stolen or fire/smoke-damaged electronics and furniture at Replacement Cost, and fund Additional Living Expenses if a covered loss makes your apartment uninhabitable.
Only if your vehicle carries Comprehensive (Other Than Collision) coverage. Collision-only or liability-only policies pay nothing for animal strikes, windshield hail cracks (1.50" peak county stone), theft, or flash-flood submergence.
Personal auto policies exclude commercial tool delivery, snow/debris hauling, or higher-rated business use for 163 local Construction & Specialty Trades operators. Commercial Auto or Hired & Non-Owned Auto (HNOA) keeps business liability intact.
Our TDI-licensed producers quote 24 personal, property, flood, recreational, commercial fleet, contractor, and surety lines digitally across postal area 77445 and statewide. We do not write life insurance, pet insurance, or standalone coastal TWIA windstorm policies.
Digital intake for Waller County • Bundle Personal, Property, Flood, or Commercial.
