In the first of a series of papers examining trends in Texas government, the Foundation looks at the growth of state government spending over the past two decades and compares it to how state spending might have looked had it been limited to the growth of population plus inflation.
Local Government
TWIA’s Expanding Reach Raises Fresh Concerns
TWIA has become the leading wind and hail insurer in the catastrophe area. Its position has direct and indirect consequences for Texans statewide. Key points: Since 2020, TWIA has steadily increased its market share in the catastrophe area, raising concerns about scope and cost. TWIA’s quasi-governmental model imposes potential costs on statewide policyholders and private...
September 15, 2026