2019 Rate Adequacy Analysis
In accordance with laws passed by the 86th Texas Legislature, TWIA’s 2019 Rate Adequacy Analysis is now available on our website. The analysis will be considered by the TWIA Board of Directors […]Read More
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.
Policies In Force
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.
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 Outreach Event
No public outreach events are currently scheduled.