Two Katy-area ZIP codes rank among the Houston region's highest for homeowners insurance policies canceled or declined because of where the property sits.
A KHOU 11 Investigates analysis published Sept. 14 of newly released state data found ZIP codes 77493 and 77494 had some of the highest numbers of policies affected by "location of risk." Insurers use that label when they do not write coverage in certain areas. ZIP code 77494 also appeared among the highest for policies affected by wind, hail and hurricane exposure.
The data comes from House Bill 2067 (HB 2067), a Texas law that took effect Jan. 1. It requires insurers to explain in writing why they cancel, decline or refuse to renew a policy. Insurers must also report those reasons to the Texas Department of Insurance (TDI), which publishes the information in aggregate.
In April 2026 alone, insurers sent notices involving 81,370 residential property policies across the Greater Houston area, according to KHOU 11's analysis. The reasons ranged from nonpayment of premiums to property condition to geographic risk.
Where Katy stands
The "location of risk" category affected 7,983 policies regionwide in April. Both 77493 and 77494 ranked among the ZIP codes with the highest totals in that group.
A separate category, "exposure to loss from wind/hail/hurricane," affected 6,658 policies across the region. ZIP code 77494 again ranked among the highest, alongside 77433 in Cypress and 77459 in Missouri City.
ZIP code 77494 appeared in both categories.
Because a single notice can list more than one reason, the individual category totals should not be added together to count unique policies affected.
What lawmakers say
State Rep. Matt Morgan, R-Katy, whose District 26 office sits inside the 77494 ZIP code, backed HB 2067 when it moved through the Legislature. During a hearing in March, Morgan said the law would help state officials make better decisions.
"The more data that us as lawmakers can have, you know, the better informed decisions we can make," Morgan told lawmakers at the hearing, as reported by KHOU 11.
Maddie Sloan of Texas Appleseed, a nonpartisan nonprofit that backed the legislation, said the ZIP-code-level data matters for anyone considering a home purchase or apartment rental. The top reason for losing coverage regionwide was failure to pay premiums, affecting 28,515 policies. Sloan called that figure a distress signal for Texas families whose budgets are already stretched, according to KHOU 11's report.
What homeowners can do
TDI said the reporting requirement gives consumers information they can use to address problems with their coverage. A homeowner whose policy is not renewed because of unrepaired damage, for example, may be able to make repairs to improve the home's insurability.
Homeowners who do not receive a written explanation from their insurer can file a complaint with TDI. The agency plans to publish a user-friendly dashboard on its website by the end of September 2026.
