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
| Measure | Texas | Source |
|---|---|---|
| IC3 internet crime complaints (2024) | 62,347 | FBI IC3 |
| Reported internet crime losses (2024) | $1,351,598,183 | FBI IC3 |
| Complaints per 100,000 residents (2024) | 199.3 | FBI IC3 |
| Business establishments (2023) | 670,878 | Census CBP |
| Health care and social assistance establishments | 80,576 | Census CBP |
| Professional, scientific, and technical establishments | 83,842 | Census CBP |
| Finance and insurance establishments | 42,205 | Census CBP |
| Share of establishments in these three sectors | 31% | Census CBP |
| Establishments with fewer than 5 employees | 54% | Census CBP |
| Workers who work from home | 14% | 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
- Revenue and size of the business.
- Industry, especially health care, finance, and professional services.
- Records held: volume and type of personal, health, and payment data.
- Security controls: MFA, endpoint detection and response, backups, and patching.
- Limits, retention, and waiting period you choose.
- Coverage options such as social engineering and dependent business interruption.
- Prior incidents and claims.
See cost factors and security controls insurers look for.
City guides for Texas
- Houston
- San Antonio
- Dallas
- Fort Worth
- Austin
- El Paso
- Arlington
- Corpus Christi
- Plano
- Lubbock
- Laredo
- Irving
- Garland
- Frisco
- McKinney
- Grand Prairie
- Amarillo
- Brownsville
- Denton
- Killeen
- Pasadena
- McAllen
- Waco
- Midland
- Lewisville
- Carrollton
- Round Rock
- Abilene
- Pearland
- College Station
Coverage and guides
- First-party cyber coverage
- Third-party cyber liability
- Ransomware and cyber extortion coverage
- Social engineering and funds transfer fraud
- Cyber business interruption
- Regulatory defense and PCI coverage
- Data breach notification laws by state
- Security controls cyber insurers look for
- Cyber insurance application checklist
- What affects cyber insurance cost
- Building a cyber incident response plan
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
- 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
- U.S. Census Bureau Vintage 2024 city population estimates
- Texas Department of Insurance
Last updated October 15, 2026 · How we research