In Texas, 85% of wildfires occur near communities, and many live in flood-prone areas. State law requires only liability insurance, which doesn't cover non-collision damages like fire or floods. Comprehensive insurance, often part of full coverage, protects against natural disasters, theft, vandalism, and animal damage. It is optional but may be required by lenders. Average cost is about $192/year with a $1,000 deductible. Comprehensive does not cover collisions or medical expenses.
