HB 5168

Coastal Headquarters Rule For Windstorm Insurer Waits Until 2027

Died in committee

Verdict: Smells

SmellsInitial review

Rep. AJ LouderbackRHouse 30

Why it's charged

Delayed start

THE TEXT

…“applies to the Texas Windstorm Insurance Association beginning on January 1, 2027.”

Bill text, introduced version (I)

The only duty in the bill starts on January 1, 2027, after the November 3, 2026 general election. The bill takes effect in 2025, but nothing has to change until then.

Delayed start

Initial review · graded Oct 20, 2026 · Headline, summary and grade are analysis of the bill text, not a finding about any person · How we grade

Caption

relating to the location of the Texas Windstorm Insurance Association headquarters.

Caption from analyzed text · version I.

Summary

Headquarters must sit in a coastal county. Nothing changes until January 1, 2027, after the election.

The bill requires the Texas Windstorm Insurance Association to keep its headquarters in a first tier or second tier coastal county. It touches the association, its staff and operations, and the coastal counties that could host the office. The rule does not apply until January 1, 2027, so any move would come after that date.

Labels

Labels: QUICK READ: 150 WORDS. The bill as filed runs 150 words, counting the existing law it amends and the text it strikes. The median 89R bill as filed runs 441 words (derived, 8,702 graded bills, snapshot Oct 19, 2026).NEVER GOT A HEARING. Filed Mar 14, 2025 and referred to the House Insurance committee. No public hearing. The bill died.

Receipt

The receipt

89R-HB5168 · 2025-03-14

SOLD BY

Rep. AJ LouderbackRHouse 30

ITEM

relating to the location of the Texas Windstorm Insurance Association headquarters.

WHAT IT DOES

Headquarters must sit in a coastal county. Nothing changes until January 1, 2027, after the election.

CHARGES

[x] DELAYED STARTanalysis confidence 50%

THE TEXT

…“applies to the Texas Windstorm Insurance Association beginning on January 1, 2027.”

Bill text, introduced version (I)

The only duty in the bill starts on January 1, 2027, after the November 3, 2026 general election. The bill takes effect in 2025, but nothing has to change until then.

TOTAL

No fiscal note in the loaded record.

HISTORY

Mar 14, 2025Filed
Apr 7, 2025Read first time
Apr 7, 2025Referred to Insurance

FILED UNDER

No verified beat found.

Smells

THANK YOU FOR CHECKING THE RECEIPT

CAMPAIGN PAID FOR BY

AJ Louderback

Donors

Texans for Truth and Liberty PAC$50K Texas Trial Lawyers Association PAC$28K Texans for Lawsuit Reform PAC$25K

Not tied to this bill.

Sources

The author's campaign account only. Own money and internal transfers are separate on the member page.

Derived itemized flow · Oct 27, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Texans for Truth and Liberty PAC$50,000.00

Texans for Truth and Liberty PAC

$50,000.00

Cash: $50,000.00
Paid by others: $0.00
Total: $50,000.00

Also funds 44 other sitting lawmakers.

Derived recipient stock · Jun 24, 2025 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team

Sources

Derived itemized flow · Jun 26, 2025 to Oct 6, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 101009033, 101071885.

Texas Trial Lawyers Association PAC$27,500.00

Texas Trial Lawyers Association PAC

$27,500.00

Cash: $27,500.00
Paid by others: $0.00
Total: $27,500.00

Also funds 137 other sitting lawmakers.

Derived recipient stock · Jul 24, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team

Sources

Derived itemized flow · Dec 9, 2024 to Oct 5, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 100988974, 101009033, 101059497, 101071885.

Texans for Lawsuit Reform PAC$25,000.00

Texans for Lawsuit Reform PAC

$25,000.00

Cash: $25,000.00
Paid by others: $0.00
Total: $25,000.00

Also funds 124 other sitting lawmakers.

Derived recipient stock · Jul 10, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team

Sources

Derived itemized flow · Sep 30, 2026 to Oct 7, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 101071885.

Money

Missing data does not establish zero giving. Display amounts are rounded.

Texans for Truth and Liberty PAC

$50,000.00

Cash: $50,000.00
Paid by others: $0.00
Total: $50,000.00

Also funds 44 other sitting lawmakers.

Derived recipient stock · Jun 24, 2025 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team

Sources

Derived itemized flow · Jun 26, 2025 to Oct 6, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 101009033, 101071885.

Texas Trial Lawyers Association PAC

$27,500.00

Cash: $27,500.00
Paid by others: $0.00
Total: $27,500.00

Also funds 137 other sitting lawmakers.

Derived recipient stock · Jul 24, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team

Sources

Derived itemized flow · Dec 9, 2024 to Oct 5, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 100988974, 101009033, 101059497, 101071885.

Texans for Lawsuit Reform PAC

$25,000.00

Cash: $25,000.00
Paid by others: $0.00
Total: $25,000.00

Also funds 124 other sitting lawmakers.

Derived recipient stock · Jul 10, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team

Sources

Derived itemized flow · Sep 30, 2026 to Oct 7, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 101071885.

Votes

No floor vote loaded for this bill.

Fiscal

No fiscal note in the loaded record.

How this was graded

Analysis of text version I by claude-opus-5-5, Oct 20, 2026, against the published rubric.

Sources

Texas House · Filed Mar 14, 2025

04/07/2025 H Referred to Insurance: Apr 7 2025 5:28PM

Texas Legislature Online · Introduced

Data snapshot Oct 26, 2026 at 4:19 AM CDT. Grades, charges, quotes and corrections follow the published record.

House committee · Insurance · Final status: Died in committee

Subjects

Coastal Affairs & Beaches

WINDSTORM INSURANCE ASSOCIATION, TEXAS

Text

The text as introduced · 150 words

By: Louderback
H.B. No. 5168

A BILL TO BE ENTITLED

AN ACT

relating to the location of the Texas Windstorm Insurance

Association headquarters.

BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS:

SECTION 1. Subchapter B, Chapter 2210, Insurance Code, is

amended by adding Section 2210.063 to read as follows:

Sec. 2210.063. LOCATION OF ASSOCIATION HEADQUARTERS. The

headquarters of the association shall be located in a first tier

coastal county or second tier coastal county.

SECTION 2. Section 2210.063, Insurance Code, as added by

this Act, applies to the Texas Windstorm Insurance Association

beginning on January 1, 2027.

SECTION 3. This Act takes effect immediately if it receives

a vote of two-thirds of all the members elected to each house, as

provided by Section 39, Article III, Texas Constitution. If this

Act does not receive the vote necessary for immediate effect, this

Act takes effect September 1, 2025.