Many homes burned in the Texas wildfires weren't insured, creating a steep path to recovery

[JT45242]

1. Don't banks require continuous proof of insurance for a mortgage there

I am required to keep home owner insurance through escrow -- Both times I bought a house.

My mother had to show proof of insurance annually for her mortgage.

I thought this was standard banking law/practice.

Do banks in Texas not protect themselves from defaults on property by not requiring home insurance?