Tex. Ins. Code Section 2211.1515
Mandatory Property Owners’ Association Policies in Certain Areas

(a)

This section applies only to the area designated by the commissioner by rule. In determining the boundaries of the area, the commissioner shall:

(1)

to the extent practicable, ensure the area is not more than 10 miles beyond the Texas Windstorm Insurance Association catastrophe area designated under Section 2210.005 (Designation as Catastrophe Area; Revocation of Designation); and

(2)

follow geographical features.

(b)

If the commissioner makes the determination described by Section 2211.051 (Establishment of Fair Plan)(b), the association shall make property owners’ association insurance available to each applicant in an underserved area of the area designated under Subsection (a) whose property is insurable in accordance with reasonable underwriting standards but who, after diligent efforts, is unable to obtain property owners’ association insurance through the voluntary market, as evidenced by two declinations from insurers authorized to engage in the business of, and writing, property owners’ association insurance in this state.

(c)

If the area designated under Subsection (a) changes after the association issues a policy under Subsection (b), the policy is valid until renewal regardless of whether the insured property is located in the area designated under Subsection (a) after the change.
Added by Acts 2023, 88th Leg., R.S., Ch. 44 (H.B. 998), Sec. 4, eff. September 1, 2023.

Source: Section 2211.1515 — Mandatory Property Owners' Association Policies in Certain Areas, https://statutes.­capitol.­texas.­gov/Docs/IN/htm/IN.­2211.­htm#2211.­1515 (accessed May 26, 2025).

2211.001
Definitions 2211.002
Immunity 2211.003
Appeals 2211.051
Establishment of Fair Plan 2211.052
Administration of Fair Plan 2211.053
Amendments to Plan of Operation 2211.054
Contents of Plan of Operation 2211.055
Association Duties with Respect to Policies 2211.056
Filing and Approval of Rates 2211.057
Powers of Commissioner 2211.058
Annual Operating Report 2211.059
Assets of Association 2211.101
Coverage Provided to Insureds in Underserved Area 2211.102
Liability of Insurers to Association 2211.103
Recomputation of Reimbursement Ratios 2211.104
Additional Assessment in Event of Deficit 2211.105
Retention and Use of Profits by Association 2211.151
Mandatory Coverage Provided to Certain Insureds 2211.152
Designation of Area as Underserved 2211.153
Inspection Bureau 2211.154
Property Inspection 2211.155
Inspection Results 2211.156
Certain Coverage Excluded 2211.157
Coverage for Certain Windstorm and Hail Damage 2211.201
Purpose 2211.202
Definitions 2211.203
Applicability of Other Laws 2211.204
Issuance of Public Securities Authorized 2211.205
Limitation on Amount of Public Securities 2211.206
Terms of Issuance 2211.207
Contents of Public Security Resolution 2211.208
Source of Payment 2211.209
Service Fee 2211.210
Exemption from Taxation 2211.211
Authorized Investments 2211.212
State Pledge Regarding Public Security Owner Rights and Remedies 2211.213
Payment Enforceable by Mandamus 2211.251
Sanctions and Administrative Penalties 2211.252
Additional Disciplinary Procedures 2211.0521
Meetings of Governing Body 2211.1515
Mandatory Property Owners’ Association Policies in Certain Areas
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Verified:
May 26, 2025

§ 2211.1515. Mandatory Prop. Owners' Ass’n Policies in Certain Areas's source at texas​.gov