What the current numbers say
The 2025 preliminary statewide average annual homeowners premium is $3,506. The current TDI market snapshot lists 8,233,096 active policies, 160 companies and 19.75B in direct written premium.
Complaint data
The Texas Open Data insurance complaint dataset contains 291,186 records in the current snapshot. Complaint counts are not a quality ranking by themselves; market share, product mix, time period and complaint definitions matter.
Next data layers
The architecture is ready for county-level premium tables, loss-peril rankings, carrier rate filings and historical downloads. Those should be ingested only from stable official exports rather than scraped charts.