Matthew Rios Farmers Agency

Clients often object to a flood policy stating that it doesn’t flood where they live. I then ask them, “Does it rain where you live?”

If it rains, you should strongly consider flood coverage since your homeowners policy does not include this type of coverage.

🚨 Parts of Katy have sunk MORE THAN 14 INCHES since 2007, according to new data from the Harris-Galveston Subsidence District.

Experts say the sinking is permanent and could worsen flooding and drainage issues across fast-growing Houston suburbs.

⚠️ Katy
⚠️ Fulshear
⚠️ Cypress
⚠️ Spring
⚠️ Tomball
⚠️ The Woodlands

All showing measurable subsidence, according to the Harris-Galveston Subsidence District.

Why it matters:
🌧️ Higher flood risk
🏠 Drainage and foundation concerns
💧 Explosive growth putting pressure on water supplies

Strongly thinking of purchasing a new or pre-owned vehicle this year?

Consider then, which vehicles are most likely to be stolen.

Below is a summary of the article, just in case you don’t have time to read it.

A total of 659,880 vehicles were reported stolen in 2025 which was nearly a 25% decrease from the prior year.

Several states reported sharp declines in auto theft with Washington leading the way with a 39% decline. Texas did not even make the top 10.

Top 5 U.S metropolitan areas by total vehicle theft -

1. Los Angeles, Long Beach, Anaheim CA - 53,911 thefts reported in 2025

2. New York, Newark, Jersey City NY-NJ - 27,138 thefts reported in 2025

3. Chicago, Naperville, Elgin IL-IN - 24,299 thefts reported in 2025

4. Houston, Pasadena, The Woodlands TX - 23,659 thefts reported in 2025

5. San Francisco, Oakland, Fremont CA - 22,197 thefts reported in 2025.

California & Texas topped all states with the most vehicle thefts by a wide margin.

The most stolen vehicles in 2025:

1. Hyundai Elantra - 21,732 thefts
2. Honda Accord - 17,797 thefts
3. Hyundai Sonata - 17,687 thefts
4. Chevy Silverado 1500 - 16,764 thefts
5. Honda Civic - 12,725 thefts
6. KIA Optima - 11,521 thefts
7. Ford F150 - 10,102 thefts

Thefts of Hyundai & KIA have continued to decline for the 3rd consecutive year.

Vehicle Thefts Declined Nearly 25% Last Year: NICB Prevention efforts are making a substantial dent in vehicle thefts across the nation, according to newly released data by the National Insurance Crime

Are you a homeowner paying for coverage?

Summary of this article -

An average increase of 4% is expected this year for homeowners insurance coverage.

In 2025 the average increase was 12%. Since 2021 the average increase was 46%.

Most expensive states for homeowners coverage -

1. Florida - average annual premium = $8,458
2. Oklahoma - average annual premium = $5,205
3. Louisiana - average annual premium = $5,035
4. Nebraska - average annual premium = $4,560
5. Texas - average annual premium = $4,529

Price increases are outpacing inflation & income growth.

3 out of 10 homeowners would do away with coverage if they could.

US Home Insurance Prices Set to Keep Rising With Severe Weather US home insurance premiums are set to rise for a fifth straight year in 2026 as insurers grapple with losses from extreme weather and high rebuilding

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Here is a summary of this article -

1. The number of dog bite & related injury claims last year totaled 22,658 an increase of 19% from the prior year.

2. Total claims paid for 2024 was roughly 1.6 billion.

3. Average claim payout in 2024 was $69,272.

4. Texas, Florida & California are the top 3 states with these types of claims filed.

5. Nearly half of all U.S households(45.5%) own a dog.

6. Homeowners & Renters insurance policies usually cover dog bite liability legal expenses up to whatever liability limits the policy has which is typically $100K - $300K.

amp-claimsjournal-com.cdn.ampproject.org

This is a truly sad story & I hope justice prevails.

Does your auto insurance policy cover you in the event you, a family member or listed driver passes away or has a disabling injury due to a vehicle accident?

This does not come included with most policies so, you must inquire about it.

The 2023 death toll on Texas roads was approximately 4,283. There were 15,219 serious injury crashes on Texas roads in 2023 with 18,752 people sustaining a disabling injury.

WRONG WAY SUSPECTED IMPAIRED DRIVER KILLS 45 YEAR OLD!

The crash we reported earlier this morning, in the 13800 HARDY TOLL RD involving a wrong-way-driver. We are saddened to report an innocent 45 year old male has died as the result of the suspected drunk driver driving the wrong way.

Constable investigators will be filing Intoxication Manslaughter on a 26 year old Hispanic female . Stay tuned to our platforms for more details.

Follow us at http://Facebook.com/Precinct4 and Download our new mobile app “C4 NOW” to receive live feeds on crime, arrests & traffic accidents in your area.

Just a summary of the article for Texas Coastal Counties -

1. Texas Windstorm Association will not raise new business premium rates by 10% in 2025.

2. If you’re a policy holder, you most likely will still see your annual premium increase.

3. This company, before Hurricane Beryl hit the Texas coast had about $451 million in reserves set aside to pay claims. As of early October, from this $451 million reserved funds, approximately $259 million has been used to payout claims.

4. This company is running out of cash reserves & is 1 or 2 catastrophic events away from going in the red so, we can expect a compromise of sorts so new business premiums can be raised.

Texas Commissioner Rejects TWIA’s Proposed Rate Increase Texas Insurance Commissioner Cassie Brown issued an order this week disapproving Texas Windstorm Insurance Association’s proposed 10% increase to property and commercial rates.

If you live in Texas, you should have flood insurance & it doesn’t matter where you live. We are ALL in a flood zone. Some zones are higher risk than others but it can all be wiped away with one storm.

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The Laurel Meadows community is asking for answers after Hurricane Debby caused major flooding. #abcactionnews #news #florida #weather