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                  LIABILITY INSURANCE TO ARB MEMBERS - 2004/2005 CAD SURVEY


 DISTRICT DISTRICT               TOTAL   2004 ANNUAL  2004 TOTAL  2005 ANNUAL  2005 TOTAL  INSURANCE
  NUMBER    NAME                PARCELS  

  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 League
  004    Aransas                 27,237      2,639      1,000,000      2,639   1,000,000   Texas Municipal League
  007    Atascosa                37,720        750      1,000,000        950   1,000,000   Texas Association of School Boards, Inc.
  009    Bailey                   9,495        563      1,000,000        573   1,000,000   Texas Municipal League
  010    Bandera                 34,501      1,337      1,000,000      1,350   1,000,000   Texas Municipal League
  011    Bastrop                 58,234      6,512      1,000,000      7,316   1,000,000   Texas Association of School Boards
  013    Bee                     28,936      1,861      1,000,000      1,861   1,000,000   United National Insurance Company
  014    Bell                   140,004      2,844      2,000,000      2,945   2,000,000   Texas Municipal League
  015    Bexar                  568,958     16,254      2,000,000     16,747   2,000,000   Texas Municipal League
  020    Brazoria               182,069     12,108      1,000,000     13,000   1,000,000   United National Insurance Company
  021    Brazos                 117,295      2,965      1,000,000      3,068   1,000,000   Texas Municipal League
  023    Briscoe                  5,439      1,616      1,000,000      1,646   1,000,000   Texas Municipal League
  025    Brown                   43,585      2,192      1,000,000      2,192   1,000,000   National Union Fire Insurance Company
  026    Burleson                42,896      1,279      1,000,000      1,279   1,000,000   Texas Association of School Boards, Inc.
  028    Caldwell                40,895                                1,200   1,000,000   Texas Municipal League
  029    Calhoun                 29,976      7,040      1,000,000      2,018   1,000,000   Professional Lines Underwriters Speciali
  031    Cameron                184,123      9,000      2,000,000      7,000   2,000,000   Texas Municipal League
  033    Carson                  21,295        850      1,000,000        850   1,000,000   Texas Municipal League
  034    Cass                    48,544        850      1,000,000        850   1,000,000   Texas Municipal League
  035    Castro                   7,690        390      1,000,000        410   1,000,000   Texas Municipal League
  036    Chambers                34,999      6,278      1,000,000      7,480  10,000,000   Texas Association of School Boards, Inc.
  038    Childress                6,604      1,613      1,000,000      1,457   1,000,000   Texas Municipal League
  040    Cochran                 16,772      2,099      2,000,000      2,474   2,000,000   Scottsdale Insurance Company
  042    Coleman                 19,208      1,480      1,000,000      1,480   1,000,000   National Union Fire Insurance Company
  043    Collin                 269,342      9,249      5,000,000      9,331   5,000,000   Texas Municipal League
  045    Colorado                33,873      1,250      1,000,000      1,279   1,000,000   Texas Association of School Boards, Inc.
  047    Comanche                17,641      1,337      1,000,000      1,337   1,000,000   Texas Municipal League
  048    Concho                   8,797        830        500,000        830     500,000   Texas Municipal League
  049    Cooke                   41,910      1,483      2,000,000      1,483   2,000,000   Texas Municipal League
  052    Crane                   27,905      2,993      1,000,000              1,000,000   Westwind Insurance Company
  054    Crosby                   9,079      1,351      1,000,000      1,351   1,000,000   Texas Municipal League
  055    Culberson               14,107      1,312        500,000      1,109     500,000   Texas Municipal League
  056    Dallam                   8,368        836        500,000        836     500,000   Texas Municipal League
  057    Dallas                 829,831     16,652      1,000,000     16,652   1,000,000   National Fire Insurance
  058    Dawson                  41,177      1,261      1,000,000      1,261   1,000,000   Texas Municipal League
  059    Deaf Smith              11,756        692      1,000,000        779   1,000,000   Texas Municipal League
  061    Denton                 306,540      5,625      1,000,000      6,050   1,000,000   Texas Municipal League
  062    Dewitt                  31,954        784        500,000        784     500,000   Texas Municipal League
  064    Dimmit                  17,031      2,128        300,000      1,122     300,000   Texas Municipal League
  065    Donley                  10,680        807      1,000,000        807   1,000,000   Clarendon Insurance Agency
  066    Duval                   29,643      2,232      1,000,000      2,232   1,000,000   Texas Municipal League
  068    Ector                  189,644      5,125      1,000,000      5,856   1,000,000   United National Insurance Company
  069    Edwards                 11,904                                2,500   1,000,000   West Texas Rural Counties Asssociation
  070    Ellis                   76,896      2,952      1,000,000      3,405   1,000,000   Texas Municipal League
  071    El Paso                359,163      5,621      2,000,000      6,441   2,000,000   Texas Municipal League
  072    Erath                   31,928      1,137      1,000,000      1,258   1,000,000   Texas Municipal League
  073    Falls                   39,915        767      1,000,000        767   1,000,000   Kemper Insurance
  074    Fannin                  27,827        516        500,000        516     500,000   Texas Municipal League
  075    Fayette                 51,422      1,298      1,000,000      1,307   1,000,000   Texas Municipal League
  076    Fisher                  11,761        420        120,000        420     120,000   Rotan Insurance Agency Inc.
  078    Foard                    8,632      1,337      1,000,000      1,347   1,000,000   Texas Municipal League
  079    Fort Bend              235,506      6,489      2,000,000      6,489   2,000,000   United National Insurance Company
  081    Freestone              123,391      1,370      1,000,000      1,431   1,000,000   Texas Municipal League
  082    Frio                    15,407         25          6,000      1,333   1,000,000   Texas Municipal League
  083    Gaines                  60,378      2,040      1,000,000      2,040   1,000,000   Texas Municipal League
  084    Galveston              212,407      4,271      1,000,000      4,426   1,000,000   Texas Municipal League
  086    Gillespie               31,049      1,380      1,000,000      1,402   1,000,000   Texas Municipal League
  089    Gonzales                22,881      5,050      1,000,000      5,101   1,000,000   American International South Insurance C
  091    Grayson                 80,639      6,000      1,000,000      7,886   1,000,000   United National Group
  092    Gregg                  226,719      2,600      1,000,000      3,100   1,000,000   Texas Municipal League
  093    Grimes                  56,552      1,957      2,000,000      2,153   2,000,000   Texas Municipal League
  094    Guadalupe               69,966      5,800      1,000,000      6,271   1,000,000   Tudor Insurance Company
  095    Hale                    24,014      2,750      1,000,000      2,013   1,000,000   Texas Municipal League
  096    Hall                    10,637        830        100,000        830     100,000   Texas Municipal League
  097    Hamilton                16,109        900      1,000,000        900   1,000,000   Texas Municipal League
  098    Hansford                31,537        850      1,000,000        850   1,000,000   Texas Municipal League

  100    Hardin                  42,175      6,609      1,000,000      6,608   1,000,000   United National Insurance Company
  101    Harris               1,649,737     20,101      5,000,000     18,990   5,000,000   Texas Municipal League
  103    Hartley                  8,977      1,350      1,000,000      1,350   1,000,000   Texas Municipal League
  105    Hays                    70,278      5,227      5,000,000      4,372   5,000,000   Texas Municipal League
  106    Hemphill                34,686      3,000      3,000,000      3,000   3,000,000   Texas Association of Counties, Inc.
  108    Hidalgo                300,170      5,948      1,000,000      6,900   1,000,000   Texas Municipal League
  109    Hill                    42,154        900      1,000,000        900   1,000,000   Texas Municipal League
  112    Hopkins                 26,878        850      1,000,000        850   1,000,000   Texas Municipal League
  113    Houston                 33,228        850      1,000,000        850   1,000,000   Texas Municipal League
  114    Howard                  45,883      1,291      1,000,000      1,291   1,000,000   Texas Municipal League
  116    Hunt                    64,645      1,688      1,000,000      1,688   1,000,000   Texas Municipal League
  117    Hutchinson              49,941        250      1,000,000        250   1,000,000   Texas Municipal League
  118    Irion                   14,921        817      1,000,000        817   1,000,000   Texas Municipal league
  119    Jack                    53,132        530      1,000,000        530   1,000,000   Texas Municipal League
  120    Jackson                 32,019        859      1,000,000      1,023   1,000,000   Texas Municipal League
  123    Jefferson              147,037      3,538      2,000,000      3,711   1,000,000   Texas Municipal League
  125    Jim Wells               34,711      8,811      1,000,000      8,843   1,000,000   Scottsdale Indemity Company
  126    Johnson                 81,190      4,464      2,000,000      4,544   2,000,000   Texas Municipal League
  127    Jones                   28,413      1,257      1,000,000      1,277   1,000,000   United National Insurance Company
  128    Karnes                  23,999        932      2,000,000      1,300   2,000,000   Texas Municipal League
  129    Kaufman                 60,675      1,610      1,000,000      1,758   1,000,000   United National Insurance Company
  130    Kendall                 29,261      3,506      1,000,000      2,959   1,000,000   Texas Association of School Boards, Inc.
  132    Kent                     9,882      2,500      2,000,000      2,200   2,000,000   Texas Association of Counties, Inc.
  133    Kerr                    37,303        793      1,000,000        833   1,000,000   Texas Municipal League
  134    Kimble                   9,115        516      1,000,000      1,346   1,000,000   Texas Municipal League
  136    Kinney                  10,140      1,375      1,000,000      1,339   1,000,000   Texas Municipal League
  137    Kleberg                 29,492      1,110      1,000,000      1,128   1,000,000   Texas Municipal League
  139    Lamar                   37,239      2,714        500,000      2,714     500,000   Trinity Company
  140    Lamb                    18,568      3,018      1,000,000      1,037   1,000,000   Texas Municipal League
  141    Lampasas                19,930      1,210      1,000,000      1,210   1,000,000   Texas Municipal League
  143    Lavaca                  51,495        850      1,000,000        850   1,000,000   Texas Municipal League
  144    Lee                     43,882        840        500,000        840     500,000   Texas Municipal League
  145    Leon                    47,627      1,440      1,000,000      1,440   1,000,000   Texas Municipal League
  146    Liberty                 98,248      6,650      1,000,000      6,650   1,000,000   Gemini Insurance
  148    Lipscomb                24,103        804      2,000,000        804   2,000,000   Texas Municipal League
  149    Live Oak                24,295      8,763      2,000,000      8,763   2,000,000   Turdo Insurance
  150    Llano                   38,856      1,417      1,000,000      1,571   1,000,000   Texas Municipal League
  151    Loving                  11,111        168      1,000,000        168   1,000,000   Tax Association of Counties, Inc.
  152    Lubbock                127,434      9,798      1,000,000      9,798   1,000,000   Arch Specialty Insurance Company
  153    Lynn                     9,133      1,312      1,000,000      1,312   1,000,000   Texas Municipal League
  155    Marion                  34,251        833      1,000,000        833   1,000,000   Texas Municipal League
  156    Martin                  34,051      4,082        500,000      4,400     500,000   United National Insurance Company
  158    Matagorda               49,568      2,800      1,000,000      2,800   1,000,000   Texas Association of School Boards, Inc.
  159    Maverick                27,267      1,520      1,000,000      1,520   1,000,000   Texa Municipal League
  160    McCulloch               12,691      1,296      1,000,000      1,655   1,000,000   Texas Municipal League
  161    McLennan               115,194      2,093      1,000,000      1,848   1,000,000   Capitol Specialty Insurance Group
  163    Medina                  40,794        850      1,000,000        850   1,000,000   Texas Municipal League
  164    Menard                   5,507      2,463      1,000,000      1,423   1,000,000   St. Paul Insurance Company
  165    Midland                136,987      1,000      1,000,000      1,000   1,000,000   Texas Municipal League
  166    Milam                   28,109        797      1,000,000        797   1,000,000   Texas Municipal League
  167    Mills                    8,791                                  516   1,000,000   Texas Municipal League
  168    Mitchell                18,686      3,350      1,000,000      3,350   1,000,000   Texas Association of School Boards, Inc.
  169    Montague                37,916        825      1,000,000        825   1,000,000   Texas Municipal League
  170    Montgomery             239,719     12,515      1,000,000     13,731   1,000,000   ARCH Specialty
  171    Moore                   43,990        788      1,000,000        790   1,000,000   Texas Municipal League
  172    Morris                  13,291      1,366      1,000,000      1,366   1,000,000   Texas Municipal League
  176    Newton                  19,926        530      1,000,000        530   1,000,000   Texas Municipal League
  178    Nueces                 162,103      5,465      1,000,000      5,349   1,000,000   Texas Municipal League
  179    Ochiltree               30,786      1,110      1,000,000      1,058   1,000,000   United National Insurance Company
  180    Oldham                   6,707        754      1,000,000        754   1,000,000   Texas Municipal League
  181    Orange                  60,186      1,528      1,000,000      1,667   1,000,000   Texas Association of School Boards, Inc.
  183    Panola                 258,973        522      1,000,000        603   1,000,000   Texas Municipal League
  184    Parker                  93,773      4,220      3,000,000      4,269   3,000,000   Texas Municipal League
  185    Parmer                  10,107        804      1,000,000        804   1,000,000   Texas Municipal League
  186    Pecos                   63,857      3,933      2,000,000      3,933   2,000,000   Fort Stockton Insurance Agency
  188    Potter                 126,809      2,054      1,000,000      2,054   1,000,000   American Internatinal Company
  190    Rains                   13,840        824      1,000,000        824   1,000,000   Texas Municipal League
  193    Real                     8,183        927      2,000,000        927   2,000,000   Texas Municipal League
  194    Red River               22,848        750      1,000,000        750   1,000,000   Texas Municipal League
  195    Reeves                  35,556        833      1,000,000        833   1,000,000   Texas Municipal League
  196    Refugio                 21,117      2,500      2,000,000      2,500   2,000,000   Texas Association of Counties, Inc.
  198    Robertson               27,193      1,351        100,000      1,351     100,000   Texas Municipal League
  201    Rusk                   159,289      5,490      1,000,000      5,490   1,000,000   Floyd West & Company
  204    San Jacinto             40,230        932      2,000,000        932   2,000,000   Texas Municipal League
  205    San Patricio            47,718        460      1,000,000        460   1,000,000   Texas Municpal League
  208    Scurry                  51,887      2,218      1,000,000      2,218   1,000,000   Texas Municipal League
  210    Shelby                  50,402      1,966      2,000,000      2,065   2,000,000   Texas Municipal League
  211    Sherman                 17,926        780      1,000,000        780   1,000,000   Texas Municipal League
  212    Smith                  174,339      3,811      1,000,000      4,614   1,000,000   Texas Municipal League
  218    Sutton                  35,622        730        500,000        730     500,000   Texas Municipal League
  220    Tarrant                634,763      3,663      1,000,000      3,663   1,000,000   Texas Association of School Boards, Inc.
  223    Terry                   22,234      1,381      2,000,000      1,342   2,000,000   Texas Municipal League
  225    Titus                   26,187      1,685      1,000,000      1,685   1,000,000   Texas Association of School Boards, Inc.
  227    Travis                 356,429      7,916      1,000,000      8,418   1,000,000   Texas Association of School Boards, Inc.
  228    Trinity                 29,224      6,440      1,000,000      6,440   1,000,000   The St Paul
  229    Tyler                   31,928      4,712      1,000,000      5,036   1,000,000   Texas Association of School Boards, Inc.
  230    Upshur                 146,829        863        500,000        863     500,000   Texas Municipal League
  231    Upton                   72,873        850      1,000,000        850   1,000,000   Texas Municipal League
  232    Uvalde                  28,737      1,348        500,000      1,348     500,000   Texas Municipal League
  233    Val Verde               33,911      2,020        300,000      2,020     300,000   Texas Municipal League
  235    Victoria                52,325      1,573      1,000,000      1,674   1,000,000   Texas association of School Boards, Inc.
  236    Walker                  33,739      3,350      1,000,000      3,350   1,000,000   Texas Association of School Boards, Inc.
  237    Waller                 121,010      2,991      1,000,000      3,166   1,000,000   Katy Insurance Agency
  238    Ward                    43,175        831      1,000,000        831   1,000,000   Texas Municipal League
  239    Washington              34,976      3,750      1,000,000      3,750   1,000,000   Texas Association of School Boards, Inc.
  240    Webb                   146,213      7,428      1,000,000      7,428   1,000,000   Texas Municipal League
  241    Wharton                 51,837      1,917      1,000,000      1,150   1,000,000   AIG
  242    Wheeler                 30,676      1,371      1,000,000      1,371   1,000,000   Texas Municipal League
  243    Wichita                 76,912      1,877      2,000,000      2,105   2,000,000   Texas Municipal League
  245    Willacy                 20,119        466      1,000,000        466   1,000,000   Texas Municipal League
  246    Williamson             178,542      2,622      1,000,000      2,622   1,000,000   Texas Municipal League
  247    Wilson                  27,765      2,324      2,300,000      2,730   2,300,000   Texas Municipal League
  249    Wise                   111,553      2,024      1,000,000      2,024   1,000,000   Texas Municipal League
  251    Yoakum                  45,884      1,670      1,000,000      1,670   1,000,000   Texas Municipal League
  253    Zapata                  33,178      1,770      1,000,000      1,770   1,000,000   Texas Municipal League
  254    Zavala                  14,710      1,000        500,000      1,100     500,000   Texas Municipal League
  TOTAL                                    466,854    197,226,000    470,855 209,220,000
  AVERAGE                                    2,746      1,160,152      2,737   1,209,364 /

     TOTAL NUMBER OF RECORDS PROCESSED   173