Amend CSSB 14, by inserting a new ARTICLE in the bill, 
appropriately numbered, to read as follows:

ARTICLE _____.  RATING TERRITORIES
	SECTION _____01.  Chapter 5, Insurance Code, is amended by 
adding Subchapter U to read as follows:

SUBCHAPTER U.  RATING TERRITORIES FOR CERTAIN LINES
	Art. 5.171.  RATING TERRITORIES.  (a)  Notwithstanding any 
other provision of this code, an insurer may not use a rating 
territory that is smaller than a county unless the county is 
subdivided and the rate for any sub-territory within that county is 
not greater than 15 percent higher than the rate used in any other 
sub-territory in the county.
	(b)  For residential property insurance, the commissioner may 
allow a greater rate difference on the basis of weather-related 
exposure to loss.
	(c)  The commissioner may allow greater rate differences for 
personal automobile insurance only in the manner prescribed by 
commissioner rule.