County risk profile
Wichita County, Texas
AutoRiskIQ explains the forces that shape auto insurance pressure in Wichita County. Scores are informational and describe location trends, not individual outcomes.
Score status
44
/ 100
Percentile-based relative to national average.
Updated 2025-12-29.
Risk scale
Relative risk pressure levels used across AutoRiskIQ.
Risk readiness
Core risk signals for Wichita County
Accident & Exposure Risk
Crash frequency is near the national midpoint. Fatality severity is near the national midpoint. Traffic exposure is below the national distribution.
Weather & Environmental Risk
Severe weather exposure is above the national distribution based on FEMA hazard signals.
Cost & Repair Pressure
Repair cost levels are below the national distribution, with inflation pressure near the national midpoint.
Claim Friction & Legal Context
NAIC complaints, DOI enforcement, and litigation environment signals tied to claims.
Theft & Fraud Exposure
Vehicle theft rates are below the national distribution.
Market Structure Context
Rate filing cadence and market concentration context for pricing power.
Live traffic context
Local incident feeds for Wichita County
County pages highlight DOT or city incident feeds when they are available for major metros.
Counts reflect active incidents reported to public traffic systems, not a full crash census.
Risk spotlight
Weather & Environmental Risk in Wichita County
We highlight the highest-pressure risk signal in Wichita Countyand show the public inputs that drive the score.
91
/ 100
Severe weather exposure is above the national distribution based on FEMA hazard signals.
Severe weather exposure
Hail, flood, hurricane, and ice/snow exposure signals.
Sources: FEMA National Risk Index
Seasonal volatility
Seasonal risk variance index capturing claim spikes.
Sources: NOAA seasonal summaries, State storm event data
Premium pressure context
How premiums compare with risk in Wichita County
County premium data is limited, so we use statewide NAIC average premiums for context. This does not represent a quote or a recommendation.
90
/ 100
Statewide average premium: $1,727
Premium pressure sits above the current risk baseline, which can reflect market, regulatory, or timing effects.
Why this can happen
- Rate adjustments can lag current loss experience and risk shifts.
- Market structure and competition can push premiums above or below modeled risk.
- Repair costs, litigation pressure, or catastrophe load can amplify pricing beyond baseline risk signals.
County context
What will be explained for Wichita County
AutoRiskIQ surfaces the most influential signals behind the score, explains changes from prior periods, and compares Wichita County to state and national benchmarks.
Leading signals
Weather & Environmental Risk
Severe weather exposure is above the national distribution based on FEMA hazard signals.
Accident & Exposure Risk
Crash frequency is near the national midpoint. Fatality severity is near the national midpoint. Traffic exposure is below the national distribution.
Theft & Fraud Exposure
Vehicle theft rates are below the national distribution.