Protection Atlas · State Profile
Texas Protection Profile
Texas ranks #48 of 51 on the Atlas composite. State cost index runs 1.45× the national midpoint, risk-event frequency sits at 82/100, and consumer-protection strength scores 74/100.
Resilience
57
/ 100
Financial Safety
66
/ 100
Protection
80
/ 100
Preparedness
57
/ 100
Retirement
61
/ 100
Business
71
/ 100
State profile
- Auto avg: $1,872 · Home avg: $3,429 · Term avg: $245
- Min liability: 30/60/25 · No-fault: No · UM required: No
- SR-22 fee: $25 · Cost index: 1.45 · Friendliness: 75/100
Protection challenges
- Premium cost index runs 45% above the national midpoint
- Risk-event frequency sits in the top quartile (82/100)
- Named-storm and hurricane deductibles materially shift HO economics
Major risk factors
- Hurricane and tropical-storm exposure
- Storm-surge flood exposure inland of the surge zone
- Claim-frequency index sits in the top decile
Family security insights
In Texas, family protection planning is shaped by tort-based auto rules, optional uninsured-motorist coverage, and a state cost index of 1.45× the national midpoint. Term-life pricing tracks a 1.02× regional factor for healthy 35-year-olds.
Retirement security insights
Retirement resilience in Texas is supported by a consumer-protection score of 74/100 and a friendliness composite of 75/100. Longevity risk and healthcare-cost growth remain the dominant pressures regardless of state, with LTC pricing tracking national averages closely.
Preparedness notes
Texas households face hurricane season as the dominant preparedness event. Recovery liquidity, ALE adequacy, and documented evacuation routes drive preparedness outcomes.