Tex. Insurance Code § 911.301
This is the official text of Tex. Insurance Code § 911.301, part of Texas’s Insurance Code — regulates insurance companies and the policies they sell.
Not legal advice. This page reproduces the official text of a government statute for reference only. Laws change, and how a statute applies depends on your specific facts. For advice about your situation, consult a licensed attorney in your state.
§ 911.301. GENERAL OPERATING REQUIREMENTS.
Official statutory text
(a) In this section:
(1) "Census year" means a year in which the United States Census Bureau conducts a federal decennial census.
(2) "Rural property" means property located outside an area of land subject to the taxing authority of a municipality with a population of more than 6,500, adjusted in accordance with Subsection (e).
(b) A farm mutual insurance company shall:
(1) maintain a majority of the company's total insurance in force on rural property at all times the insurance is written; and
(2) operate on a regular and special assessment basis.
(c) Except as otherwise approved by the commissioner, a farm mutual insurance company may not use more than 33 percent of the company's gross income for expenses.
(d) Property that is rural property at the time the property is originally insured continues to be classified as rural property if:
(1) the policy or policies that insure the property are written by the same farm mutual insurance company; and
(2) the coverage continues in effect without lapse of coverage for more than 60 days.
(e) On January 1 of the second year following a census year, the population limit described by Subsection (a)(2) increases or decreases by a percentage that is equal to the percentage increase or decrease in the population of this state from the previous decennial census.
(f) Not later than November 1 of the year following a census year, the commissioner shall:
(1) compute the new population limit in accordance with Subsection (e); and
(2) publish the limit on the department's Internet website.
(1) "Census year" means a year in which the United States Census Bureau conducts a federal decennial census.
(2) "Rural property" means property located outside an area of land subject to the taxing authority of a municipality with a population of more than 6,500, adjusted in accordance with Subsection (e).
(b) A farm mutual insurance company shall:
(1) maintain a majority of the company's total insurance in force on rural property at all times the insurance is written; and
(2) operate on a regular and special assessment basis.
(c) Except as otherwise approved by the commissioner, a farm mutual insurance company may not use more than 33 percent of the company's gross income for expenses.
(d) Property that is rural property at the time the property is originally insured continues to be classified as rural property if:
(1) the policy or policies that insure the property are written by the same farm mutual insurance company; and
(2) the coverage continues in effect without lapse of coverage for more than 60 days.
(e) On January 1 of the second year following a census year, the population limit described by Subsection (a)(2) increases or decreases by a percentage that is equal to the percentage increase or decrease in the population of this state from the previous decennial census.
(f) Not later than November 1 of the year following a census year, the commissioner shall:
(1) compute the new population limit in accordance with Subsection (e); and
(2) publish the limit on the department's Internet website.
Status: in_force · Read it on the official government site
Need a lawyer in Texas?
Find a Texas lawyer
About this page: Statute text is reproduced from official government publishers via the
Open US Law dataset
(Vaquill AI, snapshot v2026.08, CC BY 4.0). Primary legislative text like this is public domain under the government-edicts doctrine
(Georgia v. Public.Resource.Org, 2020). We link every section back to its official source so you can verify it independently.