Texas does not have a state requirement, but some municipal airports require it....but they are in the minority. typical is one million combined property and medical/100,000 personal injury. also typical is the requirement to name the municipality as covered in the policy. what is interesting is when you get into the fine print of the policy, you may not be covered for all the things you (and the municipality) assume you are. I had several questions as to how it all worked and what was covered/when....my agent, who specializes in aircraft insurance....had trouble explaining it all. in fact, he was clueless as to some of the policy conditions. seems like if HI is requiring it, it is to cover people and property anywhere in the state you go. in the case of my coverage, it is to only cover what might happen on the municipal airport. the more you dig into this type coverage, the more questions it raises.