Citation format
Homeowners of Texas, “Texas Home Insurance Observatory,” based on Texas Department of Insurance data, accessed [date].
For research, cite the Homeowners of Texas normalized page when you rely on its derived calculation or normalized table, and include the underlying government source when practical.
API roadmap
The current static JSON endpoints intentionally require no runtime database. The next phase can move large HOA/license indexes into Cloudflare D1 or R2 while keeping these stable public URLs as compatibility endpoints.