Should my Texas Church participate in a Texas Based Risk Pool?

Host Ron Wadley explains how Texas churches facing sudden premium spikes can evaluate risk purchasing groups. He uses a large Amarillo church’s renewal shock as an example. He describes Texas’s “concentration problem,” where hail, tornadoes, hurricanes, and other storms create clustered losses that drive unpredictable rate increases. Texas-only risk pools that keep all exposure in-state can be more expensive. Wadley contrasts this with national risk pools, which spread catastrophic risk across multiple regions so losses in Texas are balanced by calmer areas, producing more stable pricing and budgeting predictability. He also notes national pools tend to attract stronger carriers because risk is diversified and capped. Connect with our church insurance team at insurancefortexans.com Get a FREE copy of our book, The Promise of Certainty, at thepromiseofcertainty.com 00:00 Show Introduction 00:27 Amarillo Church Shock Renewal 02:11 Texas Risk Concentration 03:00 Texas Only Pool Limits 03:19 Why National Pools Win 04:09 Carrier Strength Matters 04:52 Compare Options With Expert 05:11 Next Steps And Closing