Lessons from the Texas Homeowners Insurance Crisis Bob Puelz ...

35%
30%
25%
20%
15%
10%
5%
0%
60%
50%
40%
30%
20%
10%
0%
50%
40%
30%
20%
10%
0%
12%
10%
8%
6%
4%
2%
0%
15%
10%
5%
0%
Figure 4
Harris County, Texas
Fire Losses as a Proportion of Total Losses
1996 1997 1998 1999 2000 2001
Wind Losses as a Proportion of Total Losses
1996 1997 1998 1999 2000 2001
Water Losses as a Proportion of Total Losses
1996 1997 1998 1999 2000 2001
Theft Losses as a Proportion of Total Losses
1996 1997 1998 1999 2000 2001
Total Other as a Proportion of Total Premium
1996 1997 1998 1999 2000 2001
30
Harris
Texas
Harris
Texas
Harris
Texas
Harris
Texas
Harris
Texas
2001 demographics
Income per Capita
$37,065
% Rural Population
2%
# of Housing Units
1,298,130
% Rural Housing
2%
% Vacant Housing
7%
% Rented Housing
45%