Texas

Cyber liability insurance in Texas

Internet crime data, breach notification rules, and city guides for Texas businesses. A quote is not a binder.

Texas residents filed 62,347 internet crime complaints with the FBI in 2024 and reported $1,351,598,183 in losses. The state had 670,878 business establishments in 2023, 31% of them in health care, professional services, or finance, the sectors that hold the most sensitive data. Below are the state's numbers, its breach notification law, what moves a cyber quote, and guides for the largest cities.

Texas cyber risk at a glance

MeasureTexasSource
IC3 internet crime complaints (2024)62,347FBI IC3
Reported internet crime losses (2024)$1,351,598,183FBI IC3
Complaints per 100,000 residents (2024)199.3FBI IC3
Business establishments (2023)670,878Census CBP
Health care and social assistance establishments80,576Census CBP
Professional, scientific, and technical establishments83,842Census CBP
Finance and insurance establishments42,205Census CBP
Share of establishments in these three sectors31%Census CBP
Establishments with fewer than 5 employees54%Census CBP
Workers who work from home14%Census ACS

Sources: FBI Internet Crime Complaint Center (IC3), 2024 Internet Crime Report; U.S. Census Bureau, County Business Patterns 2023: all industries, health care and social assistance (NAICS 62), professional, scientific, and technical services (NAICS 54), and finance and insurance (NAICS 52); U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B25003, B25024, B25035), via Census Reporter.

Texas data breach notification law

When personal information about Texas residents is compromised, notice is governed by Texas Business and Commerce Code § 521.053. The statute defines personal information, sets the timing and content of notices, and in some cases requires notice to the attorney general. Affected people in other states bring their own laws into play. Our breach notification guide compares the ten states we serve.

What moves a Texas cyber quote

  1. Revenue and size of the business.
  2. Industry, especially health care, finance, and professional services.
  3. Records held: volume and type of personal, health, and payment data.
  4. Security controls: MFA, endpoint detection and response, backups, and patching.
  5. Limits, retention, and waiting period you choose.
  6. Coverage options such as social engineering and dependent business interruption.
  7. Prior incidents and claims.

See cost factors and security controls insurers look for.

City guides for Texas

Coverage and guides

More Texas communities

We accept cyber insurance requests from businesses anywhere in Texas. Other communities, grouped by county:

Tarrant County: White Settlement, Westworth Village, Westover Hills, Westlake, Watauga, Southlake, Sansom Park, Saginaw, River Oaks, Richland Hills, Pelican Bay, Pantego, North Richland Hills, Mansfield, Lakeside, Lake Worth, Kennedale, Keller, Hurst, Haslet, Haltom City, Grapevine, Forest Hill, Everman, Euless, Edgecliff Village, Dalworthington Gardens, Crowley, Colleyville, Blue Mound, Benbrook, Bedford, Azle

Denton County: Trophy Club, The Colony, Shady Shores, Sanger, Roanoke, Providence Village, Ponder, Pilot Point, Oak Point, Northlake, Little Elm, Lakewood Village, Lake Dallas, Krum, Krugerville, Justin, Highland Village, Hickory Creek, Hebron, Hackberry, Flower Mound, Double Oak, DISH, Cross Roads, Corral City, Corinth, Copper Canyon, Bartonville, Aubrey, Argyle

Harris County: West University Place, Webster, Tomball, Taylor Lake Village, Spring Valley Village, Southside Place, South Houston, Shoreacres, Seabrook, Piney Point Village, Nassau Bay, Morgan's Point, La Porte, Katy, Jersey Village, Jacinto City, Hunters Creek Village, Humble, Hilshire Village, Hedwig Village, Galena Park, El Lago, Deer Park, Bunker Hill Village, Bellaire, Baytown

Bexar County: Windcrest, Von Ormy, Universal City, Terrell Hills, St. Hedwig, Somerset, Shavano Park, Selma, Sandy Oaks, Olmos Park, Live Oak, Leon Valley, Kirby, Hollywood Park, Hill Country Village, Helotes, Grey Forest, Fair Oaks Ranch, Elmendorf, Converse, China Grove, Castle Hills, Balcones Heights, Alamo Heights

Brazoria County: West Columbia, Sweeny, Surfside Beach, Sandy Point, Richwood, Quintana, Oyster Creek, Manvel, Liverpool, Lake Jackson, Jones Creek, Iowa Colony, Holiday Lakes, Hillcrest Village, Freeport, Danbury, Clute, Brookside Village, Brazoria, Bonney, Bailey's Prairie, Angleton, Alvin

Hidalgo County: Weslaco, Sullivan City, San Juan, Progreso Lakes, Progreso, Pharr, Penitas, Palmview, Palmhurst, Mission, Mercedes, La Villa, La Joya, Hidalgo, Granjeno, Elsa, Edinburg, Edcouch, Donna, Alton, Alamo

Collin County: Wylie, Weston, St. Paul, Prosper, Princeton, Parker, New Hope, Nevada, Murphy, Melissa, Lucas, Lowry Crossing, Lavon, Josephine, Farmersville, Fairview, Celina, Blue Ridge, Anna, Allen

Dallas County: Wilmer, University Park, Sunnyvale, Seagoville, Sachse, Rowlett, Richardson, Mesquite, Lancaster, Hutchins, Highland Park, Glenn Heights, Farmers Branch, Duncanville, DeSoto, Coppell, Cockrell Hill, Cedar Hill, Balch Springs, Addison

Henderson County: Trinidad, Tool, Star Harbor, Seven Points, Poynor, Payne Springs, Murchison, Moore Station, Malakoff, Log Cabin, Gun Barrel City, Eustace, Enchanted Oaks, Coffee City, Chandler, Caney City, Brownsboro, Berryville, Athens

Mclennan County: Woodway, West, Ross, Robinson, Riesel, Moody, McGregor, Mart, Lorena, Leroy, Lacy-Lakeview, Hewitt, Hallsburg, Gholson, Crawford, Bruceville-Eddy, Beverly Hills, Bellmead

Fort Bend County: Weston Lakes, Thompsons, Sugar Land, Stafford, Simonton, Rosenberg, Richmond, Pleak, Orchard, Needville, Missouri City, Meadows Place, Kendleton, Fulshear, Fairchilds, Beasley, Arcola

Navarro County: Richland, Rice, Retreat, Powell, Oak Valley, Navarro, Mildred, Kerens, Goodlow, Frost, Eureka, Emhouse, Dawson, Corsicana, Blooming Grove, Barry, Angus

Cameron County: South Padre Island, Santa Rosa, San Benito, Rio Hondo, Rancho Viejo, Primera, Port Isabel, Palm Valley, Los Indios, Los Fresnos, Laguna Vista, La Feria, Indian Lake, Harlingen, Combes, Bayview

Grayson County: Whitewright, Whitesboro, Van Alstyne, Tom Bean, Tioga, Southmayd, Sherman, Sadler, Pottsboro, Knollwood, Howe, Gunter, Dorchester, Denison, Collinsville, Bells

Travis County: West Lake Hills, Webberville, Volente, The Hills, Sunset Valley, San Leanna, Rollingwood, Point Venture, Pflugerville, Manor, Lakeway, Lago Vista, Jonestown, Creedmoor, Briarcliff, Bee Cave

Ellis County: Waxahachie, Red Oak, Pecan Hill, Palmer, Ovilla, Oak Leaf, Milford, Midlothian, Maypearl, Italy, Garrett, Ferris, Ennis, Bardwell, Alma

Kaufman County: Terrell, Talty, Scurry, Rosser, Post Oak Bend, Oak Ridge, Oak Grove, Mabank, Kemp, Kaufman, Grays Prairie, Forney, Crandall, Cottonwood, Combine

Hill County: Whitney, Penelope, Mount Calm, Mertens, Malone, Itasca, Hubbard, Hillsboro, Covington, Carl's Corner, Bynum, Blum, Aquilla, Abbott

Montgomery County: Woodloch, Woodbranch, Willis, Stagecoach, Splendora, Shenandoah, Roman Forest, Patton Village, Panorama Village, Oak Ridge North, Montgomery, Magnolia, Cut and Shoot, Conroe

Parker County: Willow Park, Weatherford, Springtown, Sanctuary, Reno, Peaster, Millsap, Hudson Oaks, Dennis, Cool, Annetta South, Annetta North, Annetta, Aledo

Galveston County: Tiki Island, Texas City, Santa Fe, League City, La Marque, Kemah, Jamaica Beach, Hitchcock, Galveston, Friendswood, Dickinson, Clear Lake Shores, Bayou Vista

Hunt County: Wolfe City, West Tawakoni, Union Valley, Quinlan, Poetry, Neylandville, Lone Oak, Hawk Cove, Greenville, Commerce, Celeste, Campbell, Caddo Mills

Williamson County: Weir, Thrall, Taylor, Liberty Hill, Leander, Jarrell, Hutto, Granger, Georgetown, Florence, Coupland, Cedar Park, Bartlett

Johnson County: Venus, Rio Vista, Keene, Joshua, Grandview, Godley, Cross Timber, Coyote Flats, Cleburne, Burleson, Briaroaks, Alvarado

Wise County: Runaway Bay, Rhome, Paradise, Newark, New Fairview, Lake Bridgeport, Decatur, Chico, Bridgeport, Boyd, Aurora, Alvord

Fannin County: Windom, Trenton, Savoy, Ravenna, Leonard, Ladonia, Honey Grove, Ector, Dodd City, Bonham, Bailey

Hays County: Woodcreek, Wimberley, Uhland, San Marcos, Niederwald, Mountain City, Kyle, Hays, Dripping Springs, Buda, Bear Creek

Liberty County: Plum Grove, North Cleveland, Liberty, Kenefick, Hardin, Devers, Dayton Lakes, Dayton, Daisetta, Cleveland, Ames

San Patricio County: Taft, Sinton, San Patricio, Portland, Odem, Mathis, Lake City, Ingleside on the Bay, Ingleside, Gregory, Aransas Pass

Bell County: Troy, Temple, Salado, Rogers, Nolanville, Morgan's Point Resort, Little River-Academy, Holland, Harker Heights, Belton

Bowie County: Wake Village, Texarkana, Redwater, Red Lick, New Boston, Nash, Maud, Leary, Hooks, De Kalb

Smith County: Winona, Whitehouse, Tyler, Troup, Noonday, New Chapel Hill, Lindale, Hideaway, Bullard, Arp

Cass County: Queen City, Marietta, Linden, Hughes Springs, Douglassville, Domino, Bloomburg, Avinger, Atlanta

Jefferson County: Taylor Landing, Port Neches, Port Arthur, Nome, Nederland, Groves, China, Bevil Oaks, Beaumont

Burnet County: Meadowlakes, Marble Falls, Highland Haven, Granite Shoals, Double Horn, Cottonwood Shores, Burnet, Bertram

Cherokee County: Wells, Rusk, Reklaw, New Summerfield, Jacksonville, Gallatin, Cuney, Alto

Gregg County: White Oak, Warren City, Longview, Lakeport, Kilgore, Gladewater, Easton, Clarksville City

Guadalupe County: Staples, Seguin, Schertz, Santa Clara, New Berlin, Marion, Kingsbury, Cibolo

Austin County: Wallis, South Frydek, Sealy, San Felipe, Industry, Brazos Country, Bellville

Bosque County: Walnut Springs, Valley Mills, Morgan, Meridian, Iredell, Cranfills Gap, Clifton

Fayette County: Schulenburg, Round Top, La Grange, Flatonia, Fayetteville, Ellinger, Carmine

Leon County: Oakwood, Normangee, Marquez, Leona, Jewett, Centerville, Buffalo

Lubbock County: Wolfforth, Slaton, Shallowater, Ransom Canyon, New Deal, Idalou, Buffalo Springs Lake

Orange County: West Orange, Vidor, Rose City, Pinehurst, Pine Forest, Orange, Bridge City

Taylor County: Tye, Tuscola, Trent, Merkel, Lawn, Impact, Buffalo Gap

Van Zandt County: Wills Point, Van, Grand Saline, Fruitvale, Edom, Edgewood, Canton

Angelina County: Zavalla, Lufkin, Huntington, Hudson, Diboll, Burke

Archer County: Windthorst, Scotland, Megargel, Lakeside City, Holliday, Archer City

Atascosa County: Poteet, Pleasanton, Lytle, Jourdanton, Christine, Charlotte

Clay County: Petrolia, Jolly, Henrietta, Dean, Byers, Bellevue

Cooke County: Valley View, Road Runner, Muenster, Lindsay, Gainesville, Callisburg

Eastland County: Rising Star, Ranger, Gorman, Eastland, Cisco, Carbon

El Paso County: Vinton, Socorro, San Elizario, Horizon City, Clint, Anthony

Grimes County: Todd Mission, Plantersville, Navasota, Iola, Bedias, Anderson

Hockley County: Sundown, Smyer, Ropesville, Opdyke West, Levelland, Anton

Hood County: Tolar, Stockton Bend, Lipan, Granbury, DeCordova, Cresson

Lamar County: Toco, Sun Valley, Roxton, Paris, Deport, Blossom

Lamb County: Sudan, Springlake, Olton, Littlefield, Earth, Amherst

Limestone County: Thornton, Tehuacana, Mexia, Kosse, Groesbeck, Coolidge

Nueces County: Robstown, Port Aransas, Petronila, Driscoll, Bishop, Agua Dulce

Rockwall County: Royse City, Rockwall, Mobile City, McLendon-Chisholm, Heath, Fate

Waller County: Waller, Prairie View, Pine Island, Pattison, Hempstead, Brookshire

Ward County: Wickett, Thorntonville, Pyote, Monahans, Grandfalls, Barstow

Wichita County: Wichita Falls, Pleasant Valley, Iowa Park, Electra, Cashion Community, Burkburnett

Wood County: Yantis, Winnsboro, Quitman, Mineola, Hawkins, Alba

Chambers County: Old River-Winfree, Mont Belvieu, Cove, Beach City, Anahuac

Coryell County: South Mountain, Oglesby, Gatesville, Evant, Copperas Cove

Freestone County: Wortham, Teague, Streetman, Kirvin, Fairfield

Hale County: Plainview, Petersburg, Hale Center, Edmonson, Abernathy

Hardin County: Sour Lake, Silsbee, Rose Hill Acres, Lumberton, Kountze

Harrison County: Waskom, Uncertain, Scottsville, Marshall, Hallsville

Haskell County: Weinert, Rule, Rochester, O'Brien, Haskell

Houston County: Lovelady, Latexo, Kennard, Grapeland, Crockett

Jones County: Stamford, Lueders, Hawley, Hamlin, Anson

Medina County: Natalia, LaCoste, Hondo, Devine, Castroville

Milam County: Thorndale, Rockdale, Milano, Cameron, Buckholts

Nacogdoches County: Nacogdoches, Garrison, Cushing, Chireno, Appleby

Palo Pinto County: Strawn, Mingus, Mineral Wells, Graford, Gordon

Polk County: Seven Oaks, Onalaska, Livingston, Goodrich, Corrigan

Red River County: Detroit, Clarksville, Bogata, Avery, Annona

Rusk County: Tatum, Overton, New London, Mount Enterprise, Henderson

Shelby County: Timpson, Tenaha, Joaquin, Huxley, Center

Upshur County: Union Grove, Ore City, Gilmer, East Mountain, Big Sandy

Brown County: Early, Brownwood, Blanket, Bangs

Caldwell County: Mustang Ridge, Martindale, Luling, Lockhart

Callahan County: Putnam, Cross Plains, Clyde, Baird

Carson County: White Deer, Skellytown, Panhandle, Groom

Comal County: Spring Branch, New Braunfels, Garden Ridge, Bulverde

Falls County: Rosebud, Marlin, Lott, Golinda

Gonzales County: Waelder, Smiley, Nixon, Gonzales

Hall County: Turkey, Memphis, Lakeview, Estelline

Hopkins County: Tira, Sulphur Springs, Cumby, Como

Hutchinson County: Stinnett, Sanford, Fritch, Borger

Karnes County: Runge, Kenedy, Karnes City, Falls City

Knox County: Munday, Knox City, Goree, Benjamin

Lavaca County: Yoakum, Shiner, Moulton, Hallettsville

Lipscomb County: Higgins, Follett, Darrouzett, Booker

Lynn County: Wilson, Tahoka, O'Donnell, New Home

Morris County: Omaha, Naples, Lone Star, Daingerfield

Randall County: Timbercreek Canyon, Palisades, Lake Tanglewood, Canyon

Refugio County: Woodsboro, Refugio, Bayside, Austwell

Robertson County: Hearne, Franklin, Calvert, Bremond

Starr County: Roma, Rio Grande City, La Grulla, Escobares

Titus County: Winfield, Talco, Mount Pleasant, Miller's Cove

Tyler County: Woodville, Ivanhoe, Colmesneil, Chester

Wilson County: Stockdale, Poth, La Vernia, Floresville

Anderson County: Palestine, Frankston, Elkhart

Bastrop County: Smithville, Elgin, Bastrop

Blanco County: Round Mountain, Johnson City, Blanco

Brazos County: Wixon Valley, Kurten, Bryan

Burleson County: Somerville, Snook, Caldwell

Calhoun County: Seadrift, Port Lavaca, Point Comfort

Castro County: Nazareth, Hart, Dimmitt

Coleman County: Santa Anna, Novice, Coleman

Colorado County: Weimar, Eagle Lake, Columbus

Comanche County: Gustine, De Leon, Comanche

Crosby County: Ralls, Lorenzo, Crosbyton

Dawson County: Los Ybanez, Lamesa, Ackerly

Dewitt County: Yorktown, Nordheim, Cuero

Dimmit County: Carrizo Springs, Big Wells, Asherton

Donley County: Howardwick, Hedley, Clarendon

Duval County: San Diego, Freer, Benavides

Gray County: Pampa, McLean, Lefors

Howard County: Forsan, Coahoma, Big Spring

Jackson County: La Ward, Ganado, Edna

Jasper County: Kirbyville, Jasper, Browndell

Jim Wells County: Premont, Orange Grove, Alice

Lampasas County: Lometa, Lampasas, Kempner

Llano County: Sunrise Beach Village, Llano, Horseshoe Bay

Mitchell County: Westbrook, Loraine, Colorado City

Montague County: St. Jo, Nocona, Bowie

Moore County: Sunray, Dumas, Cactus

Nolan County: Sweetwater, Roscoe, Blackwell

Panola County: Gary City, Carthage, Beckville

Parmer County: Friona, Farwell, Bovina

Rains County: Point, Emory, East Tawakoni

Reeves County: Toyah, Town of Pecos, Balmorhea

Runnels County: Winters, Miles, Ballinger

San Jacinto County: Shepherd, Point Blank, Coldspring

Swisher County: Tulia, Kress, Happy

Terry County: Wellman, Meadow, Brownfield

Walker County: Riverside, New Waverly, Huntsville

Wharton County: Wharton, El Campo, East Bernard

Wheeler County: Wheeler, Shamrock, Mobeetie

Willacy County: San Perlita, Raymondville, Lyford

Young County: Olney, Newcastle, Graham

Aransas County: Rockport, Fulton

Briscoe County: Silverton, Quitaque

Camp County: Rocky Mound, Pittsburg

Cochran County: Whiteface, Morton

Coke County: Robert Lee, Bronte

Collingsworth County: Wellington, Dodson

Concho County: Paint Rock, Eden

Dallam County: Texline, Dalhart

Delta County: Pecan Gap, Cooper

Dickens County: Spur, Dickens

Ector County: Odessa, Goldsmith

Erath County: Stephenville, Dublin

Fisher County: Rotan, Roby

Floyd County: Lockney, Floydada

Frio County: Pearsall, Dilley

Gaines County: Seminole, Seagraves

Hamilton County: Hico, Hamilton

Hansford County: Spearman, Gruver

Hardeman County: Quanah, Chillicothe

Jack County: Jacksboro, Bryson

Kerr County: Kerrville, Ingram

Kinney County: Spofford, Brackettville

La Salle County: Encinal, Cotulla

Lee County: Lexington, Giddings

Live Oak County: Three Rivers, George West

Madison County: Midway, Madisonville

Matagorda County: Palacios, Bay City

Mcculloch County: Melvin, Brady

Mills County: Mullin, Goldthwaite

Motley County: Roaring Springs, Matador

Oldham County: Vega, Adrian

Pecos County: Iraan, Fort Stockton

Presidio County: Presidio, Marfa

Real County: Leakey, Camp Wood

Sabine County: Pineland, Hemphill

San Augustine County: San Augustine, Broaddus

San Saba County: San Saba, Richland Springs

Shackelford County: Moran, Albany

Sherman County: Texhoma, Stratford

Throckmorton County: Woodson, Throckmorton

Trinity County: Trinity, Groveton

Upton County: Rankin, McCamey

Uvalde County: Uvalde, Sabinal

Washington County: Burton, Brenham

Webb County: Rio Bravo, El Cenizo

Winkler County: Wink, Kermit

Yoakum County: Plains, Denver City

Andrews County: Andrews

Armstrong County: Claude

Bailey County: Muleshoe

Bandera County: Bandera

Baylor County: Seymour

Bee County: Beeville

Brewster County: Alpine

Brooks County: Falfurrias

Childress County: Childress

Cottle County: Paducah

Crane County: Crane

Culberson County: Van Horn

Deaf Smith County: Hereford

Edwards County: Rocksprings

Foard County: Crowell

Franklin County: Mount Vernon

Garza County: Post

Gillespie County: Fredericksburg

Goliad County: Goliad

Hartley County: Channing

Hemphill County: Canadian

Hudspeth County: Dell City

Irion County: Mertzon

Jeff Davis County: Valentine

Kendall County: Boerne

Kent County: Jayton

Kimble County: Junction

Kleberg County: Kingsville

Marion County: Jefferson

Martin County: Stanton

Mason County: Mason

Maverick County: Eagle Pass

Menard County: Menard

Newton County: Newton

Ochiltree County: Perryton

Potter County: Bishop Hills

Reagan County: Big Lake

Roberts County: Miami

Schleicher County: Eldorado

Scurry County: Snyder

Somervell County: Glen Rose

Stephens County: Breckenridge

Sterling County: Sterling City

Stonewall County: Aspermont

Sutton County: Sonora

Tom Green County: San Angelo

Val Verde County: Del Rio

Victoria County: Victoria

Wilbarger County: Vernon

Zavala County: Crystal City

Cyber insurance in Texas: FAQ

What is Texas's data breach notification law?

Texas Business and Commerce Code § 521.053. Businesses must also consider the laws of other states where affected individuals live.

How much internet crime is reported in Texas?

The FBI's IC3 received 62,347 complaints from Texas in 2024, with $1,351,598,183 in reported losses.

Who regulates cyber insurers in Texas?

Insurance companies are regulated by the Texas Department of Insurance.

How do I get cyber insurance in Texas?

Gather your business details, data inventory, and security controls, then request quotes. Insurers price each business individually after underwriting.

Sources

Start a Texas cyber quote

Last updated October 15, 2026 · How we research