Temporary Payment Option in Response to COVID-19 Crisis

In support of our policyholders, TWIA is responding to the COVID-19 crisis by: temporarily reducing the amount of premium due in order to issue a policy, and providing 75 days to pay […]

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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

Changes at TWIA

New laws that allow us to better serve the coast.

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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
  • 0

    Year Established

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    Policies In Force

  • 0billion

    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

Upcoming Public Events

Meetings of the TWIA Board of Directors are open to the public and broadcast live, other than closed executive sessions. We invite you to attend or watch our next meeting. We also participate in and host events focusing on hurricane preparedness and claims assistance. If we are in your area, we hope you can stop by.

Next Board Meeting

May 12, 2020

The next TWIA Board meeting will be held at the Hyatt Regency in Austin, Texas.

  • Agenda – available prior to the meeting
  • Meeting Materials – available prior to the meeting
  • Broadcast – available prior to the meeting

Next Outreach Event

TWIA is carefully monitoring the situation regarding the COVID-19 Coronavirus and taking actions to do our part to minimize the spread of the virus and respond to cautions issued by the Centers for Disease Control. As part of this effort, TWIA has suspended until further notice, all business travel including travel associated with its coastal community outreach program.

This temporary suspension was made from an abundance of caution and a commitment to the communities TWIA serves. The TWIA team looks forward to resuming outreach events and similar travel soon.