Is weather a investing concern in Houston?

[Albert L.]

I'm not familiar with Texas weather, but would the risk of hurricanes, storms, tornadoes, and humid weather potentially lead to more CAPEX (overutilization of HVAC), flooding, roof repairs, etc?

Is that why insurance is slightly more expensive?

Also, regarding foundation issues. Is it statewide Texas soil issue or more prevalent in Dallas?

[Belinda Lopez]

Absolutely!  Your insurance provider is one of your best partners in your investing.  Yes, soil is poor all over but Texas is huge so you can get a soil analysis from your local agricultural extension.  In the Houston area we have thick clay soil which expands and contracts due to weather cycles.

As far as Mother Nature - well, at least we get several days notice for Hurricanes on the coastal areas.  We have plenty of time to prepare, pack and leave when told to do so.  Tornados, storms are not unique to Texas and hit with no notice - like fire.  All you can do is keep insurance.  Same with earthquakes in CA - how do you prepare for those?

Dallas & Houston are two of the most air-conditioned cities in the world, so yes, HVAC costs will be higher.  Like everything else, you factor it into your investing.  

Your total insurance needs may be dictated by your mortgage or lender as well.  I live on the coast and I will drop flood insurance as soon as I pay off this mortgage.  It won't pay me back for losses as windstorm insurance is what will cover me in a total loss situation.