Fort Worth, TX Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- Code Section
- Fort Worth Code Article XIII (Ord. 26005-02-2023)
- Liability Coverage
- At least $500,000 per occurrence
- Registration Fee
- $150 initial / $100 renewal
- Allowed Zones
- Mixed-use and commercial only
Summary
Fort Worth's short-term rental ordinance (Ord. 26005-02-2023, codified as Article XIII of the registration chapter) requires operators to carry liability insurance and provide proof to the city as part of registration.
Sec. 92.0135. NOTICE FOR DWELLING LOCATED IN FLOODPLAIN. ... (b) A landlord shall provide to a tenant a written notice substantially equivalent to the following: "(Landlord) ( ) is or ( ) is not aware that the dwelling you are renting is located in a 100-year floodplain. If neither box is checked, you should assume the dwelling is in a 100-year floodplain. Even if the dwelling is not in a 100-year floodplain, the dwelling may still be susceptible to flooding. ... Most tenant insurance policies do not cover damages or loss incurred in a flood. You should seek insurance coverage that would cover losses caused by a flood."
Full Breakdown
Under Article XIII (Short-Term Rental Registration) of the Fort Worth Code, every STR operator must register with the city, pay the initial $150 fee (annual renewal $100), provide proof of Hotel Occupancy Tax registration, and maintain liability insurance covering short-term rental use. Reporting from the 2023 ordinance package and current city guidance indicates required limits of at least $500,000 per occurrence. STRs are restricted to mixed-use and commercial zoning districts following the February 2023 ordinance, so residential-zone hosts are generally ineligible regardless of insurance.
Violations & Fines
Operating without registration or required insurance is grounds for permit denial, revocation, and Class C misdemeanor citations under Article XIII. Continued operation after revocation is treated as a separate offense each day.
Frequently Asked Questions
Does Fort Worth require STR liability insurance?
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Sources & Official References
Other rules in Fort Worth
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Insurance Requirements in Nearby Cities
How other cities in Tarrant County handle insurance requirements.