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           LIABILITY INSURANCE TO CHIEF APPRAISER - 2004/2005 CAD SURVEY


DISTRCT DISTRCT                     TOTAL        ANNUAL 2004       TOTAL 2004       ANNUAL 2005     TOTAL 2005      INSURANCE
 NUMBER  NAME                      PARCELS         PREMIUM          COVERAGE          PREMIUM        COVERAGE        PROVIDER

  001  Anderson                     59,713             1,433         1,000,000           1,441       1,000,000
  002  Andrews                      82,802             2,016         1,000,000           1,459       1,000,000    Texas Municipal
  004  Aransas                      27,237             2,639         1,000,000           2,837       1,000,000    Texas Municipal
  007  Atascosa                     37,720               750         1,000,000             950       1,000,000    Texas Municipal
  008  Austin                       29,872               525           150,000             525         150,000    Texas Associati
  009  Bailey                        9,495               563         1,000,000             573       1,000,000    Texas Associati
  011  Bastrop                      58,234             6,512         1,000,000           7,316       1,000,000    Texas Municipal
  014  Bell                        140,004             2,844         2,000,000           2,945       2,000,000    Texas Associati
  015  Bexar                       568,958            16,254         2,000,000          16,747       2,000,000    Texas Municipal
  020  Brazoria                    182,069               300            75,000             300          75,000    Texas Municipal
  021  Brazos                      117,295             2,965         1,000,000           3,068       1,000,000    Universal Suret
  023  Briscoe                       5,439             1,616         1,000,000           1,646       1,000,000    Texas Municipal
  025  Brown                        43,585               500           100,000             500         100,000    Texas Municipal
  026  Burleson                     42,896             1,279         1,000,000           1,279       1,000,000    Porter Insuranc
  027  Burnet                       56,498               375            75,000             375          75,000    Texas Associati
  028  Caldwell                     40,895             3,985         1,000,000           1,200       1,000,000    American States
  029  Calhoun                      29,976             7,040         1,000,000           2,018       1,000,000    Texas Municipal
  031  Cameron                     184,123             9,000         2,000,000           7,000       2,000,000    Professional Li
  032  Camp                         20,993               950         1,000,000             950       1,000,000    Texas Municipal
  033  Carson                       21,295               850         1,000,000             850       1,000,000    Texas Associati
  034  Cass                         48,544               850         1,000,000             850       1,000,000    Texas Municipal
  035  Castro                        7,690               390         1,000,000             410       1,000,000    Texas Municipal
  036  Chambers                     34,999             6,278         1,000,000           7,480       3,000,000    Texas Municipal
  038  Childress                     6,604             1,613         1,000,000           1,451       1,000,000    Texas Associati
  040  Cochran                      16,772             2,099         2,000,000           2,474       2,000,000    Texas Municipal
  042  Coleman                      19,208             1,480         1,000,000           1,480       1,000,000    Scottsdale Insu
  043  Collin                      269,342             9,249         5,000,000           9,331       5,000,000    National Union
  045  Colorado                     33,873             1,250         1,000,000           1,279       1,000,000    Texas Municipal
  047  Comanche                     17,641             1,337         1,000,000           1,337       1,000,000    Texas Associati
  048  Concho                        8,797               516           500,000             516         500,000    Texas Municipal
  049  Cooke                        41,910             1,483         2,000,000           1,483       2,000,000    Texas Municipal
  054  Crosby                        9,079             1,351         1,000,000           1,351       1,000,000    Texas Municipal
  055  Culberson                    14,107             1,312           500,000           1,109         500,000    Texas Municipal
  056  Dallam                        8,368               836           500,000             836         500,000    Texas Municipal
  057  Dallas                      829,831            16,652         1,000,000          16,652       1,000,000    Texas Municipal
  058  Dawson                       41,177             1,261         1,000,000           1,261       1,000,000    National Fire I
  059  Deaf Smith                   11,756               692         1,000,000             627       1,000,000    Texas Municipal
  061  Denton                      306,540               290           100,000             320         100,000    Union Standard
  062  Dewitt                       31,954               784           500,000             784         500,000    Texas Municipal
  064  Dimmit                       17,031               784           500,000           1,122         300,000    Texas Municipal
  065  Donley                       10,680               807         1,000,000             807       1,000,000    Texas Municipal
  066  Duval                        29,643             1,462         1,000,000           1,462       1,000,000    Clarendon Insur
  068  Ector                       189,644             5,125         1,000,000           5,856       1,000,000    Texas Municipal
  069  Edwards                      11,904             5,125         1,000,000           2,500       3,000,000    United National
  070  Ellis                        76,896             2,952         1,000,000           3,405       1,000,000    West Texas Rura
  071  El Paso                     359,163             5,621         2,000,000           6,441       2,000,000    Texas Municipal
  072  Erath                        31,928             1,137         1,000,000           1,258       1,000,000    Texas Municipal
  073  Falls                        39,915               767         1,000,000             767       1,000,000    Texas Municipal
  074  Fannin                       27,827               516           500,000             516         500,000    Kemper Insuranc
  075  Fayette                      51,422             1,298         1,000,000           1,307       1,000,000    Texas Municipal
  076  Fisher                       11,761               350           100,000             350         100,000    Texas Municipal
  077  Floyd                        11,052                90            10,000              90          10,000    Rotan Insurance
  078  Foard                         8,632                51         1,000,000              51       1,000,000    Texas Municipal
  081  Freestone                   123,391             1,370         1,000,000           1,431       1,000,000    Texas Municipal
  082  Frio                         15,407                25             6,000           1,333       1,000,000    Texas Municipal
  084  Galveston                   212,407             4,271         1,000,000           4,426       1,000,000    Texas Municipal
  086  Gillespie                    31,049             1,380         1,000,000           1,402       1,000,000    Texas Municipal
  089  Gonzales                     22,881             5,050         1,000,000           5,101       1,000,000    Texas Municipal
  090  Gray                         59,630             1,270         1,000,000           1,206       1,000,000    American Intern
  091  Grayson                      80,639             6,000         1,000,000           7,886       1,000,000    Texas Municipal
  092  Gregg                       226,719             2,600         1,000,000           3,100       1,000,000    United National
  093  Grimes                       56,552             1,957         2,000,000           2,153       2,000,000    Texas Municipal
  094  Guadalupe                    69,966             5,800         1,000,000           6,271       1,000,000    Texas Municipal
  095  Hale                         24,014             2,750         1,000,000           2,013       1,000,000    Tudor Insurance
  097  Hamilton                     16,109               900         1,000,000             900       1,000,000    Texas Municipal
  098  Hansford                     31,537               850         1,000,000             850       1,000,000    Texas Municipal
  100  Hardin                       42,175             6,609         1,000,000           6,608       1,000,000    Texas Municipal
  101  Harris                    1,649,737            20,101         5,000,000          18,990       5,000,000    United National
  105  Hays                         70,278               175            50,000             175          50,000    Texas Municipal
  106  Hemphill                     34,686             3,000         3,000,000           3,000       3,000,000    Old Republic Se
  107  Henderson                   129,683             3,555         1,000,000           3,150       1,000,000    Texas Associati
  108  Hidalgo                     300,170             5,948         1,000,000           6,900       1,000,000    Gemini Insuranc
  109  Hill                         42,154               900         1,000,000             900       1,000,000    Texas Municipal
  111  Hood                         48,089               350           100,000             350         100,000    Texas Municipal
  112  Hopkins                      26,878               850         1,000,000             850       1,000,000    Texas Municipal
  113  Houston                      33,228               850         1,000,000             850       1,000,000    Texas Municipal
  114  Howard                       45,883             1,291         1,000,000           1,291       1,000,000    Texas Municipal
  116  Hunt                         64,645             1,688         1,000,000           1,688       1,000,000    Texas Municipal
  117  Hutchinson                   49,941               941         1,000,000             915       1,000,000    Texas Municipal
  118  Irion                        14,921               817         1,000,000             817       1,000,000    Texas Municipal
  119  Jack                         53,132               242         1,000,000             242       1,000,000    Texas Municipal
  120  Jackson                      32,019             1,541         1,000,000           1,574       1,000,000    Texas Municipal
  123  Jefferson                   147,037             3,538         2,000,000           3,711       1,000,000    Texas Municipal
  125  Jim Wells                    34,711               350            70,000             250          70,000    Texas Municipal
  126  Johnson                      81,190             4,464         2,000,000           4,544       2,000,000    Hartford, Inc.
  127  Jones                        28,413             1,257         1,000,000           1,277       1,000,000    Texas Municipal
  128  Karnes                       23,999               932         2,000,000           1,300       2,000,000    United National
  129  Kaufman                      60,675             1,610         1,000,000           1,758       1,000,000    Texas Municipal
  130  Kendall                      29,261             3,506         1,000,000           2,959       1,000,000    United National
  132  Kent                          9,882             2,499         2,000,000           2,550       2,000,000    Texas Associati
  133  Kerr                         37,303               793         1,000,000             833       1,000,000    Texas Associati
  134  Kimble                        9,115               516         1,000,000           1,346       1,000,000    Texas Municipal
  136  Kinney                       10,140               530         1,000,000             530       1,000,000    Texas Municipal
  137  Kleberg                      29,492             1,110         1,000,000           1,128       1,000,000    Texas Municipal
  139  Lamar                        37,239             2,714           500,000           2,714         500,000    Texas Municipal
  140  Lamb                         18,568             3,018         1,000,000           1,037       1,000,000    Trinity Company
  141  Lampasas                     19,930             1,380         1,000,000           1,380       1,000,000    Texas Municipal
  143  Lavaca                       51,495                55           500,000              55         500,000    Texas Municipal
  144  Lee                          43,882               830           500,000             830         500,000    Texas Municipal
  145  Leon                         47,627             1,440         1,000,000           1,440       1,000,000    Texas Municipal
  146  Liberty                      98,248             6,650         1,000,000           6,650       1,000,000    Texas Municipal
  147  Limestone                    64,882             1,297         1,000,000           1,297       1,000,000    Gemini Insuranc
  148  Lipscomb                     24,103               804         2,000,000             804       2,000,000    Texas Municipal
  149  Live Oak                     24,295               350           100,000             350         100,000    Texas Municipal
  150  Llano                        38,856             1,417         1,000,000           1,571       1,000,000    Old Republic Su
  151  Loving                       11,111               168         1,000,000             168       1,000,000    Texas Municipal
  152  Lubbock                     127,434             9,798         1,000,000           9,798       1,000,000    Tax Association
  153  Lynn                          9,133             1,312         1,000,000           1,312       1,000,000    Arch Specialty
  155  Marion                       34,251               833         1,000,000             833       1,000,000    Texas Municipal
  156  Martin                       34,051             4,082           500,000           4,400         500,000    Texas Municipal
  158  Matagorda                    49,568             2,800         1,000,000           2,800       1,000,000    United National
  159  Maverick                     27,267             1,520         1,000,000           1,520       1,000,000    Texas Associati
  160  McCulloch                    12,691             1,296         1,000,000           1,655       1,000,000    Texas Municipal
  161  McLennan                    115,194             2,093         1,000,000           1,848       1,000,000    Texas Municipal
  163  Medina                       40,794               550         1,000,000             550       1,000,000    Capitol Special
  164  Menard                        5,507             2,463         1,000,000           1,423       1,000,000    Texas Municipal
  165  Midland                     136,987             1,000         1,000,000           1,000       1,000,000    St. Paul Insura
  166  Milam                        28,109               797         1,000,000             797       1,000,000    Texas Municipal
  167  Mills                         8,791                 0                 0             516       1,000,000    Texas Municipal
  168  Mitchell                     18,686             3,350         1,000,000           3,350       1,000,000    Texas Municipal
  169  Montague                     37,916               468         1,000,000             468       1,000,000    Texas Associati
  170  Montgomery                  239,719            12,515         1,000,000          13,731       1,000,000    Texas Municipal
  176  Newton                       19,926               530         1,000,000             530       1,000,000    ARCH Specialty
  178  Nueces                      162,103             5,465         1,000,000           5,349       1,000,000    Texas Municipal
  179  Ochiltree                    30,786             1,110         1,000,000           1,058       1,000,000    Texas Municipal
  180  Oldham                        6,707               794         1,000,000             794       1,000,000    United National
  181  Orange                       60,186             1,528         1,000,000           1,667       1,000,000    Texas Municipal
  182  Palo Pinto                   42,536             3,164         1,000,000           3,164       1,000,000    Texas Associati
  183  Panola                      258,973               522         1,000,000             603       1,000,000    Texas Municipal
  184  Parker                       93,773             4,220         3,000,000           4,269       3,000,000    Texas Municipal
  185  Parmer                       10,107               804         1,000,000             804       1,000,000    Texas Municipal
  186  Pecos                        63,857             3,933         2,000,000           3,933       2,000,000    Texas Municipal
  188  Potter                      126,809             2,054         1,000,000           2,054       1,000,000    Fort Stockton I
  189  Presidio                     16,471               830           500,000             830         500,000    American Intern
  190  Rains                        13,840               824         1,000,000             824       1,000,000    Texas Municipal
  193  Real                          8,183               567         2,000,000             567       2,000,000    Texas Municipal
  194  Red River                    22,848               263            75,000             263          75,000    Texas Municipal
  195  Reeves                       35,556               833         1,000,000             833       1,000,000    Texas Municipal
  196  Refugio                      21,117             2,500         2,000,000           2,500       2,000,000    Texas Municipal
  198  Robertson                    27,193             1,351         1,000,000           1,351       1,000,000    Texas Associati
  199  Rockwall                     33,501             4,000         1,000,000           4,000       1,000,000    Texas Muncipal
  201  Rusk                        159,289             5,490         1,000,000           5,490       1,000,000    Arthur Gallagel
  203  San Augustine                14,457             1,875         1,000,000           1,875       1,000,000    Arthur Gallagel
  204  San Jacinto                  40,230               932         2,000,000             932       2,000,000    Texas Associati
  205  San Patricio                 47,718               460         1,000,000             460       1,000,000    Texas Municipal
  206  San Saba                      9,865               140            50,000             200          50,000    Texas Municpal
  208  Scurry                       51,887             2,218         1,000,000           2,218       1,000,000    Texas Municpal
  209  Shackleford                  24,073               340           300,000             340         300,000    Texas Municipal
  210  Shelby                       50,402             1,966         2,000,000           2,065       2,000,000    Texas Municipal
  211  Sherman                      17,926               780         1,000,000             780       1,000,000    Texas Municipal
  212  Smith                       174,339             3,811         1,000,000           4,614       1,000,000    Texas Municipal
  218  Sutton                       35,622               730           500,000             730         500,000    Texas Municipal
  219  Swisher                      10,507               804         1,000,000             804       1,000,000    Texas Municipal
  220  Tarrant                     634,763             3,663         1,000,000           3,663       1,000,000    Texas Municipal
  223  Terry                        22,234             1,381         2,000,000           1,342       2,000,000    Texas Associati
  225  Titus                        26,187             1,685         1,000,000           1,685       1,000,000    Texas Municipal
  227  Travis                      356,429             7,916         1,000,000           8,418       1,000,000    Texas Associati
  228  Trinity                      29,224               525         1,000,000             525       1,000,000    Texas Associati
  230  Upshur                      146,829               863           500,000             863         500,000    The St Paul
  231  Upton                        72,873               850         1,000,000             850       1,000,000    Texas Municipal
  232  Uvalde                       28,737             3,125           500,000           2,174         500,000    Texas Municipal
  233  Val Verde                    33,911             2,020           300,000           2,020         300,000    Texas Municipal
  235  Victoria                     52,325             1,573         1,000,000           1,674       1,000,000    Texas Municipal
  236  Walker                       33,739             3,350         1,000,000           3,350       1,000,000    Texas Associati
  238  Ward                         43,175               831         1,000,000             831       1,000,000    Texas Associati
  240  Webb                        146,213             7,428         1,000,000           7,428       1,000,000    Texas Municipal
  241  Wharton                      51,837             1,917         1,000,000           1,150       1,000,000    Texas Municipal
  242  Wheeler                      30,676             1,371         1,000,000           1,371       1,000,000    AIG
  243  Wichita                      76,912             1,877         2,000,000           2,105       2,000,000    Texas Municipal
  244  Wilbarger                    12,781             3,437         1,000,000           3,437       1,000,000    Texas Municipal
  245  Willacy                      20,119               466         1,000,000             466       1,000,000    Tudor Insurance
  246  Williamson                  178,542             2,622         1,000,000           2,622       1,000,000    Texas Municipal
  247  Wilson                       27,765             2,324         2,300,000           2,730       2,300,000    Texas Municipal
  249  Wise                        111,553             2,024         1,000,000           2,024       1,000,000    Texas Municipal
  251  Yoakum                       45,884             1,670         1,000,000           1,670       1,000,000    Texas Municipal
  253  Zapata                       33,178             1,770         1,000,000           1,770       1,000,000    Texas Municipal
  254  Zavala                       14,710             1,000           500,000           1,100         500,000    Texas Municipal
  TOTAL                                              412,007       184,961,000         414,966     191,255,000


  AVERAGE                                              2,368         1,062,994           2,344       1,080,537

    TOTAL NUMBER OF RECORDS PROCESSED 177