Reform of the Texas homeowners’ insurance market in 2003 called for a file-and-use regulatory system. However, in 2009, the Sunset Review Commission’s Staff Report on the Texas Department of Insurance (TDI) rightly concluded that the “Legislature cannot judge the success of the shift to file-and-use rate regulation because the system has not been fully implemented.” Conditions have little improved since the report was issued.
Islamism
Protecting Texas Critical Infrastructure: Prevention, Mitigation, and Recovery from Natural Disasters and State Actor and Terrorist Attacks
Protecting Texas Critical Infrastructure: Prevention, Mitigation, and Recovery from Natural Disasters and State Actor and Terrorist Attacks By: The Honorable Chuck DeVore Download the full research paper here. Key Points Texas’s critical infrastructure remains vulnerable to natural disasters and attacks. The federal government largely abandoned civil defense 50 years ago. Should key elements of Texas’s...
October 15, 2026