Why are HOA fees going up in Dallas?

Insurance is the biggest driver. Building master policies have climbed sharply, and Texas takes a lot of hail and storm claims, so that cost lands in the HOA budget and then in your dues. Reserves are the second piece: lenders now expect associations to hold meaningful reserve funds, so boards that underfunded for years are catching up. Rising fees are not always a red flag. Sometimes they are a board doing the right thing.