Pasadena, TX
Rental property insurance for Pasadena landlords
Coverage for rental homes and 2–4 unit buildings in Pasadena, with local Census housing data. A quote is not a binder.
Pasadena is home to roughly 149,617 people in Harris County, and about 46% of its 49,560 occupied homes are rented rather than owner-occupied, above the Texas rate of 37%. That mix shapes who is buying landlord coverage here and what underwriters expect to see.
Key housing figures for Pasadena, TX
| Measure | Pasadena | Texas |
|---|---|---|
| Renter-occupied homes | 46% (22,561) | 37% |
| Median owner-occupied home value | $209,600 | $283,800 |
| Median gross rent | $1,213/mo | $1,403/mo |
| Median year structure built | 1977 | 1992 |
| Homes in 2–4 unit buildings | 5% | 5% |
| Single-family homes (detached or attached) | 60% | 67% |
Data: Census ACS 5-year estimates for 2020–2024 via Census Reporter, and Census Vintage 2024 population estimates.
What home values in Pasadena mean for your dwelling limit
Pasadena's median home value, roughly $209,600, gives a rough sense of what rentals here are worth; the state median is $283,800. For insurance, ask for a replacement-cost estimate on your specific building.
For context, the NAIC reported that Texas dwelling-fire policies insuring $200,000 to $224,999 averaged $1,625 a year in 2023, against a statewide dwelling-fire average of $1,226. Those are owner-occupied dwelling-form figures, not landlord quotes.
How much rent to protect in Pasadena
With median gross rent near $1,213 per month, twelve months of interrupted income in Pasadena comes to about $14,556 for a single unit. Multiply by your unit count when you size loss-of-rents coverage.
Building age and underwriting in Pasadena
Housing in Pasadena is middle-aged, with a median year built of 1977. Expect questions about the electrical panel brand, water heater age, and roof replacement dates.
What Pasadena landlords typically own
Roughly 60% of Pasadena homes are single-family, 5% sit in small 2–4 unit buildings, and 31% are in larger apartment buildings. Owners of up to four units can generally use a dwelling fire policy.
Pasadena versus other large Texas communities
Nearby Houston reports 58% renter households and a $277,800 median home value, so proportionally more renters than Pasadena. In San Antonio, 48% of occupied homes are rented and the median value is $235,700. Nearby Dallas reports 58% renter households and a $320,700 median home value, so proportionally more renters than Pasadena. Among the 30 largest Texas cities we profile, Pasadena ranks 13 for renter share. Buildings with five or more units hold about 31% of Pasadena's homes; those generally need commercial apartment coverage rather than dwelling forms.
Natural hazards Pasadena landlords plan for
Texas landlords generally plan around Gulf hurricanes, tropical storms, and named-storm or windstorm deductibles, hail, especially across North and Central Texas, and wind and hurricane exposure near the Gulf coast. Those exposures apply in Pasadena as much as anywhere in the state, so confirm deductibles and exclusions before you bind.
Hazard themes reflect FEMA’s National Risk Index and NOAA’s Storm Events Database; check the index for your specific county.
Getting a landlord quote in Pasadena
- How it is occupied today, including any vacancy or short-term use
- Any system updates, with years
- Prior carrier, expiration date, and five-year loss history
- Lender name for the mortgagee clause
- How much liability and lost rent you want covered
- Street address in Pasadena and number of units
- Construction year plus the age of the roof
Request a Pasadena landlord quote
Questions from Pasadena rental owners
What share of Pasadena homes are rentals?
About 46% of occupied homes in Pasadena, roughly 22,561 households, are renter-occupied according to the 2020–2024 American Community Survey.
Do Pasadena landlords have to carry insurance?
No Texas law mandates it for Pasadena owners, though lenders, HOAs, and property managers commonly require it.
How much does landlord insurance cost in Pasadena?
It depends on the building, coverage, and deductible. For background, the NAIC reported a 2023 Texas dwelling-fire average of $1,226; see our Texas page for the full table.
Other Texas cities
Landlord insurance in Texas · Cost by state
Last updated October 15, 2026. Sources and method: how we research.