Independent research · Texas
Texas Insurance Market & Regulatory Intelligence
A source-backed view of official Texas Department of Insurance agency licenses, agency-to-company appointments, surplus and title relationships, complaints, the TDI complaint index, and home/auto rate filings. This is not a ranking, recommendation, or Trust Score. Agency rows are not a person directory. Unknown is not zero.
Snapshot insurance-tx-state-intel-v1 · fingerprint 3be93a9cd2b1 · TDI as of 2026-09-03
Snapshot metrics
56,625
TDI Agencies · TDI agency license rows
One row per agency license, not a person directory.
622,019
Agency Appointments · active agency appointments
Agency NPN to company NAIC. Appointment count is not quality.
1,414
Companies · NAIC on appointments
Not the complete authorized-company universe.
305,156
Complaints · named-party rows
A complaint is not a violation.
2026-09-03
As-of · TDI open data
Official SODA clocks, not a TrustHub score.
Texas regulator map
Companies, agencies/businesses, individual agents/adjusters, appointments, surplus lines, title, complaints, and rate filings. An agency is not an individual agent. An appointment is not a license. NAIC identity is not Texas authorization without Texas evidence.
| Entity class | What it establishes | What it does not |
|---|---|---|
| Insurance company / insurer | Texas authorization only when a Texas company source says so | National NAIC identity alone is not Texas authorization |
| Agency / business entity | TDI business license to sell/service/manage insurance | Not an individual agent; not an insurer |
| Individual agent / adjuster | Person credential | Not a public business profile in this snapshot |
| Appointment | Active designation to represent a company | Not a quality signal; not proof the agency can sell every product |
| Surplus lines | Surplus lines person or firm license status | Not insurer authorization; firm row is not automatically the standard agency universe |
| Title | County-level title underwriter appointment | Not a general P&C appointment; not a county page |
| HMO / health entity | Source-native role where present | Not collapsed into P&C denominators |
Market findings
- TDI's official agency file has 56,625 license rows and 43,597 distinct agency NPN identities. That is a business-license universe, not a person directory and not a combined 'Texas insurance providers' count.
- The official active agency-appointment file has 622,019 rows linking 35,167 agency NPN values to 1,414 NAIC company codes. 619,830 rows have both an exact numeric NPN and an exact NAIC. Appointment count is not quality.
- TDI publishes 305,156 complaint-name rows (2011-04-28 through 2026-08-31) and a 5,966-row complaint-index file with NAIC, confirmed complaints, policy counts, year, and line. A complaint is not a violation. The TDI complaint index is not a TrustHub score.
- TDI home-and-auto rate filings number 18,001 (15,035 distinct SERFF IDs). A rate filing is not a consumer premium. Closed/Reviewed is not an individual's quoted rate.
- Title appointments are a separate 23,115-row county×underwriter graph (850 title-agency licenses, 31 underwriter names, 254 counties). Surplus-lines status detail has 18,816 rows (3,769 firm / 15,047 individual). Neither is the standard agency↔company appointment universe.
TDI agencies
56,625 official license rows and 43,597 distinct agency NPN identities (48,920 distinct TDI license numbers). 55,334 rows have an expiration on or after 2026-09-03; 1,291 are listed as already expired. 23,004 rows show listed state TX (16,924 NPN). Listed state is not the licensed-in-Texas universe — TDI license jurisdiction is Texas for every row in this file.
Official contacts: phone 0, email 0, website 0, street address 0. City and postal code are present on all 56,625 rows. Missing contacts are a source limitation, not missing businesses.
| License type | Rows |
|---|---|
| General Lines Agency | 45,267 |
| Life Agency | 3,936 |
| Surplus Lines Agency | 1,945 |
| Specialty Insurance Agency | 1,581 |
| Pers Lines Prop and Cas Agency | 976 |
| Title Agency | 837 |
| Managing General Agency | 692 |
| Adjuster | 513 |
| Public Insurance Adjuster | 395 |
| Limited Lines Agency | 154 |
| Reinsurance Broker | 73 |
| Risk Manager Agency | 48 |
| Life Stlmnt Broker | 43 |
| Discount Hthcare Prgm Oper Reg | 43 |
| Reinsurance Manager | 30 |
| Pre-Need Agency | 29 |
| Life Stlmnt Provider | 24 |
| Title Direct Operations | 15 |
| County Mutual Agency | 13 |
| Life Stlmnt LE Estimator | 8 |
| LI Agy Not Exceeding $25,000 | 3 |
Agency research
Search official TDI agency identities by name, NPN, listed state, ZIP, or license class. Results are capped at 25 rows. This is not a ranking.
Agency appointments
622,019 active appointment rows. 35,167 distinct agency NPN values and 1,414 distinct NAIC company codes. 619,830 rows have both an exact numeric NPN and an exact NAIC. Median appointments per agency 8; median agencies per company 100. More appointments is not a better agency. Fewer appointments is not a worse agency.
| Appointment type | Rows |
|---|---|
| Property and Casualty | 373,320 |
| Life, Accident, Health and HMO | 228,183 |
| Life | 8,287 |
| Pers Lines Prop and Cas | 3,699 |
| Underwriter | 2,668 |
| Managing General Agent - P & C | 1,336 |
| County Mutual | 1,005 |
| Credit | 1,003 |
| Life Ins Not Exceeding $25,000 | 855 |
| Travel | 638 |
| Self-Service Storage Facility | 448 |
| Limited Lines | 435 |
| Pre-Need | 76 |
| Rental Car Company | 39 |
| Portable Electronic Devices | 27 |
Company research
Companies that appear on official active TDI agency appointments. Search by NAIC or name. Capped at 25 rows. Not a ranking.
Complaints and the TDI complaint index
TDI's all-data complaint file has 305,156 named-party rows from 2011-04-28 through 2026-08-31. Confirmed Yes 56,726; Confirmed No 248,430. A complaint is not a violation. Raw complaint count is not quality.
The official TDI complaint index file has 5,966 rows and 1,282 NAIC values. It is not a TrustHub complaint score. TDI publishes confirmed-complaint counts, in-force policy counts, and a native Complaint Index by NAIC, year, and line. Insurance Code §521.052 requires justified (confirmed) complaints expressed relative to policies in force on December 31 of the preceding year. Observed index values scale with confirmed-complaint rate versus line-year policy exposure. 0 means no confirmed complaints in that slice. This snapshot preserves TDI's field and does not rescale it into a TrustHub score.
Rate filings
18,001 home and auto rate-filing rows (15,035 SERFF IDs). Status Closed 17,757, Pending 244. Closed type Reviewed 17,009. A rate filing is not a consumer premium. Requested change is not an approved change unless the official status says so.
Surplus lines and title
Surplus-lines status detail: 18,816 rows (3,769 firm, 15,047 individual; Active 10,247). A surplus-lines license is not insurer authorization. Individual surplus rows are not published as a person directory.
Title appointments: 23,115 county×underwriter rows, 850 title-agency licenses, 31 underwriter names, 254 counties. A title appointment is not a general insurance appointment. There are no Texas county pages.
Intentionally unpublished
Person licenses (962,001 rows) and person appointments (4,400,210 rows) remain an internal evidence layer. PUBLIC_DIRECTORY = FALSE. A person license is not a business agency. Relationship file 132,253 rows is shown only as aggregates.
Evidence depth
| Source | ID | Rows | Public |
|---|---|---|---|
| TDI agencies | 3yqc-fcdt | 56,625 | Yes |
| Agency appointments | avjc-7u2m | 622,019 | Yes |
| Authorized companies | — | UNKNOWN | No |
| Person licenses | kxv3-diwf | 962,001 | No |
| Person appointments | bupb-23s9 | 4,400,210 | No |
| Relationships | kvqi-vsrr | 132,253 | No |
| Surplus lines | 7isd-ex6t | 18,816 | Yes |
| Title appointments | y9ze-ft94 | 23,115 | Yes |
| Complaints | ubdr-4uff | 305,156 | Yes |
| Complaint index | pa9u-9s9w | 5,966 | Yes |
| Rate filings | iubg-btfs | 18,001 | Yes |
| Enforcement | — | UNKNOWN | No |
| Property/residual | — | UNKNOWN | No |
What we don't know
- Complete TDI authorized-company export was not acquired.
- Agency business phone, email, website, and street address are not in the official agency SODA file.
- No structured TDI disciplinary-order bulk file was found.
- Appointment type is not a full product-level authority matrix.
- Company exposure denominators exist in the TDI complaint index; they are not a TrustHub denominator.
- Person-level market counts are intentionally unpublished as a directory.
Unknown is not zero. No Trust Score.
Trace this number
Trace this number
- Source
- TDI Open Data 3yqc-fcdt
- Source date
- 2026-09-03
- Denominator
- 56,625 agency license rows
- Calculation
- Count official SODA/CSV rows. Distinct NPN is a separate identity count.
- Reporting grain
- license row
- Coverage
- TDI business licenses only. Not people.
- Caveat
- Multiple licenses per NPN.
Trace this number
- Source
- TDI Open Data avjc-7u2m
- Source date
- 2026-09-03
- Denominator
- 622,019 active appointment rows
- Calculation
- Count official active agency-to-company appointments. Distinct NAIC counted separately.
- Reporting grain
- active appointment
- Coverage
- Active appointments only.
- Caveat
- Not quality.
Trace this number
- Source
- TDI Open Data ubdr-4uff
- Source date
- 2026-09-03
- Denominator
- 305,156 named-party complaint rows
- Calculation
- Count official complaint-name rows. Confirmed Yes/No is a source field, not a TrustHub finding.
- Reporting grain
- named-party row
- Coverage
- 2011-04-28 through 2026-08-31 received dates.
- Caveat
- Complaint numbers repeat; complaint ≠ violation.
Trace this number
- Source
- TDI Open Data pa9u-9s9w
- Source date
- 2026-09-03
- Denominator
- 5,966 TDI complaint-index rows
- Calculation
- Preserve TDI native Complaint Index with confirmed complaints and policy counts by NAIC, year, and line.
- Reporting grain
- NAIC × year × line
- Coverage
- Company × year × line.
- Caveat
- TDI index, not TrustHub score.
Independent directory. Not affiliated with any insurance carrier, agency, or agent. All information is for research purposes only. Always verify licensing directly with your state's Department of Insurance, NAIC, or official sources before engaging any provider.