Southwest Austin - Dripping Springs Edition | July 2025

Floods and fires From the cover

Texas insurance profitability

Most expensive states for home insurance

The big picture

Combined loss ratio

Break-even point

100% 150%

$11,759

Florida

Since 1980, Texas has seen 190 climate disaster events with losses exceeding $1 billion each, totaling over $400 billion, according to National Oceanic and Atmospheric Administration data. “There are a growing number of studies looking at the impact of climate displacement, meaning numbers of people who can no longer live in their homes because of the impacts of climate change,” Travis County Commissioner Brigid Shea said. The state’s average number of billion-dollar disasters per year has increased in recent years, up from an average 4.2 annually between 1980- 2024 to 13.6 annually between 2020-2024. With a total of 20 events just last year, Texas leads the nation in the number of billion-dollar weather- related disasters, according to NOAA. “They’re going broke. These [insurance] guys are the experts at modeling what’s happening. ...

$7,809

Louisiana

0% 50%

$5,711

Oklahoma

$4,482

Texas

$4,437

Mississippi

SOURCE: INSURIFY/ COMMUNITY IMPACT

SOURCES: TEXAS COALITION FOR AFFORDABLE INSURANCE SOLUTIONS, TEXAS DEPARTMENT OF INSURANCE/COMMUNITY IMPACT

They know that the trajectory is more and more of these billion-dollar-plus disasters and the reinsurance companies are telling the insurance companies ‘We’re not covering it,’” Shea said. These incidents have driven homeowner insurance rates sharply higher in recent years. In parts of Central Texas some insurers have dropped certain types of coverage, such as wildfire and flood, leaving residents without critical safeguards.

$2K $1.5K $2.5K $3K $0 Average premium of Texas homeowners 45 TOLL 57.3% increase

SOURCES: TEXAS COMPTROLLER OF PUBLIC ACCOUNTS, TEXAS DEPARTMENT OF INSURANCE/COMMUNITY IMPACT

183

130 TOLL

620

Flood risk

Wildfire risk

Creeks make the surrounding areas prone to flooding.

The Wildland-Urban Interface map shows wildfire risk areas.

Proximity zones A & B: within 50-150 feet of 40+ acre wildland

290 Proximity Zone C: within 1.5 miles of 750+ acre wildland or 0.5 miles of 40+ acre wildland

0.2% annual chance flood hazard

1% annual chance flood hazard

Regulatory floodway

Wildlands

360

290

360

35

WILLIAMSON CREEK

71

MOPAC

130 TOLL

MOPAC

WILLIAMSON CREEK

290

290

71

183

45 TOLL

SLAUGHTER CREEK

N

N

SOURCE: FEDERAL EMERGENCY MANAGEMENT AGENCY/COMMUNITY IMPACT

SOURCE: CITY OF AUSTIN/COMMUNITY IMPACT

45 TOLL

Our Services

For over 35 years, we've strived to ensure every patient is cared for like family. We offer an array of services across our 7 locations, making health care accessible and available. Since 1985, Premier Family Physicians has strived to ensure every patient is cared for like family. We offer various services across our 5 locations, making health care available and accessible.

For over 35 years, we've strived to ensure every patient is cared for like family. We offer an array of services across our 7 locations, making health care accessible and available.

Preventive Health Care Weight Loss Programs Same Day Availability Online Self Booking Saturday Clinic Virtual Visits Acute Care

Your Family. Our Team. Good Health.

Your Family. Our Team. Good Health.

pfpdocs.com @pfpdocs

pfpdocs.com @pfpdocs

26

COMMUNITYIMPACT.COM

Powered by