TWIA Submits Biennial Report to the 87th Texas Legislature

In accordance with Texas Insurance Code Section 2210.0025, the Texas Windstorm Insurance Association publishes, on behalf of the Board of Directors, the 2020 Biennial Report to the Texas Legislature. The Biennial Report […]

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File a Claim

With Claims Center, policyholders can:

  • File a claim

  • Check claim status

  • Upload photos and documents

Learn about the TWIA Claims Process

Affected by Recent Storms?

Navigate the TWIA claims process.

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Inside a Policy

What does a TWIA policy cover?

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TWIA by the Numbers

Texas Windstorm Insurance Association provides wind and hail insurance to 14 Texas gulf coast counties and a portion of Harris county.

We provide coverage to properties that are denied by other insurance carriers.

map of Texas coastline

coastline counties with names
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    Year Established

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    Policies In Force

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    Funding for Hurricane Season

Apply for Coverage and Maintain Eligibility


To be eligible for TWIA coverage, a property must meet certain requirements established by the Texas Legislature. These include the property’s location, denial of coverage from at least one authorized insurer actively writing or renewing windstorm and hail coverage in the designated area, adherence to windstorm building codes, and more.
TWIA does not sell policies directly to consumers. To obtain coverage, you will need to work with an insurance agent who is registered with us (find one here). Your agent can also help you: make changes to your policy, pay its premium, and understand what it covers.

We Insure the Texas Coast

So it can remain a vital part of our great state

TWIA was established by the Texas Legislature in 1971 in response to regional market conditions following Hurricane Celia in August 1970. Our purpose is to provide wind and hail insurance to the Texas coast. TWIA is governed by Texas Insurance Code Chapter 2210. We are a residual insurer of last resort and are not a direct competitor in the voluntary insurance market.

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Skyscrapers on the sea line

What Homeowners Say

When I purchased this house, my insurance company was not writing windstorm policies and so I had to get one from TWIA. This is the first claim I’ve ever had to file for windstorm damage and I have to admit, I was pleasantly surprised. Every aspect of the claim filing has been a very easy, no-stress process for me. Thank you, TWIA!
– D. Mireles, Corpus Christi

Each and every one of TWIA’s employees treated me and my family with dignity and respect each time I called and each time I spoke with a representative.
– J. Valmore, Beaumont