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Many Texas families do not have homeowner's insurance.

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Following winter storm Uri, research undertaken by the Texas Real Estate Research Center at Texas A&M University indicated a widespread absence of homeowners insurance in the state.

According to the study, low-income households, those living in non-metropolitan areas, and those without a mortgage are less likely to carry homeowner's insurance.

The number of uninsured Texas households was estimated using data from the US Census Bureau. Uninsured status was reported by 26.6 percent of nonmetro homeowners. Uninsured families account for 11% of households in metropolitan areas with a major city, such as Austin, Dallas-Fort Worth, Houston, and San Antonio. 10.2 percent of people in metropolitan areas without a significant metropolis do not have homeowner's insurance.

According to Joshua Roberson, senior data analyst, "metropolitan areas in the Rio Grande Valley and along the Texas coast have the greatest percentages of uninsured households." "Nearly two out of every five households in McAllen are uninsured. With 34.9 percent, Brownville is not far behind. Even though Beaumont and Corpus Christi are prone to hurricane devastation, one out of every five homeowner households is uninsured."

"Because mortgage contracts need a homeowner's insurance policy, mortgage status plays an essential role in influencing the possibility of having property insurance," stated Research Economist Luis Torres. "The mortgage lender has a financial interest in the property, which is why insurance is required.

"Only 4.1 percent of mortgaged homeowner households are uninsured. In comparison, people who own their home debt-free have a rate of 26%."

According to the study, there is a link between having a lower average income and being uninsured. Those who own their home debt-free and uninsured earn roughly $53,274 a year, compared to $95,873 for those who own their home and are insured.

Austin and Dallas-Fort Worth had the lowest rates of uninsured households, at 6.1 and 7.4 percent, respectively.

"Homeowners who do not have a mortgage are typically seniors who live in older homes that are more vulnerable to harm from harsh weather," Torres explained.

"When one studies the relationship between household income and uninsured status, exciting problems arise. Is homeowner's insurance prohibitively expensive for low-income families? Is the cost of securing their homes from natural disasters preventing them from doing so?

"Knowing where uninsured homeowners live and their characteristics will help the state better allocate resources for home repairs following a natural calamity like a freeze."

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freeze
2018
2019
this fiscal year
the end of 2016
end of 2016
the end of next year
end of next year
$100 billion
the end of 2017
end of 2017
$30 billion
fiscal 2016
senior notes
the barnett shale
$400 million
the end of 2014
end of 2014
strategic petroleum reserve
$25 billion
$70 billion
share repurchase program
$40 billion
the end of 2010
end of 2010
$11 billion
the end of this year
end of this year
30-Jun
$250 million
$350 million
us energy information administration
$34 billion
senior unsecured notes
$90 billion
revolving credit facility
cash reserve
$375 million
$44 million
next fiscal year
barnett shale
$3 billion
1-Jan
$75 billion
$85 billion
$8 billion
$2 billion
pg e
exxon mobil corp
net acres
the end of 2018
end of 2018
$275 billion
up to billion
$110 billion
the end of 2015
end of 2015
Mar-17
about $2 billion
$5 billion
1-Oct
$12 billion
$42 billion
Dec-16
convertible notes
$700 million
fiscal 2013
the next fiscal year
loan guarantee
loan guarantees
$31 billion
$64 billion
$37 billion
$43 billion
$9 billion
$450 million
$14 billion
$10 billion
31-Dec
fiscal year 2010
next 5 years
the next 5 years
$500 billion
$48 billion
annual savings
$235 million
fiscal 2017
$18 billion
31-Mar
$22 billion
$33 billion
offshore oil
$175 billion
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