Texas Insurance Code - INS § 911.053. Incorporation Requirements

(A) has existed as an association of individuals for at least three years;

(B) has at least 100 individual members;

(C) operates for the purpose of membership recreation or welfare under a system of subordinate lodges, locals, or districts;

(D) does not have capital stock;

(E) is organized and operates solely for the mutual benefit of its members and not for profit;

(F) has a representative form of government;  and

(G) has decided by a majority vote of the association's members to apply for a charter as a farm mutual insurance company under this chapter;  and

(A) at least 100 written applications for insurance on at least 400 separate risks;  and

(B) an unencumbered surplus as required by Section 911.308(b).