The Geography of Risk (Part 1)

Host Ron Wadley of Insurance For Texans introduces the first step of a three-step framework: understanding where a church stands today. He explains that insurers often start with a church’s zip code, but relying only on that can leave churches incorrectly insured because Texas risks vary widely by region. Wadley outlines key regional exposures: the Texas Panhandle’s extreme heat and cold, wildfires, and especially frequent baseball-sized hail that can total roofs; North Texas and the DFW Metroplex’s routine tornado threats, high hail claims, aging buildings, roof leaks, rising city crime, and resulting premium increases; and West Texas’s persistent drought, long distances, and fast-moving wildfires driven by strong winds. Connect with our church insurance team at insurancefortexans.com Download a free copy of our book at thepromiseofcertainty.com 00:00 Show Introduction 00:25 Framework Step One 00:39 Zip Code Isn’t Enough 01:02 Panhandle Weather Risks 01:37 North Texas Threat Map 02:12 West Texas Fire Reality 02:46 Next Steps and Resources 03:15 Closing Reminder