Public Invited to Comment as TWIA Board Considers Annual Rate Filing at August 4 Meeting in Galveston 

Published on: July 24, 2026

Essential Meeting Information: 

  • The TWIA Board of Directors will meet in Galveston on Tuesday, August 4, at 9:00 a.m.  
  • The Board will consider a committee recommendation to approve a filing for no rate change for 2027 residential and commercial policies.  
  • Access the meeting agenda. 
  • Members of the public can provide written comment via email before the meeting or provide virtual or in-person comment during the meeting. 

The Texas Windstorm Insurance Association Board of Directors will meet at the Tremont House Hotel in Galveston on Tuesday, August 4, at 9:00 a.m. CT. The Board is expected to consider the Association’s statutorily required annual rate filing for 2027 policies. The meeting agenda is available.  

All meetings of the TWIA Board of Directors are open to the public. Members of the public are invited to provide public comment at the Tremont House Hotel in Galveston or virtually via Zoom. The meeting will also be livestreamed on YouTube. More details on the public comment options for the meeting can be found below. 

Rate Filing Decision   

TWIA’s 2026 Rate Adequacy Analysis finds that TWIA’s current rates are adequate by 9 percent for residential coverage and 4 percent for commercial coverage. The TWIA Board’s Actuarial & Underwriting Committee recommended a filing for no change in rates at their June 30 meeting. 

The 2026 Analysis shows significant improvement in TWIA’s rate adequacy since the Texas Legislature enacted a law last year that reduced the minimum level of funding TWIA is required to maintain, resulting in lower reinsurance costs. The Legislature also exempted TWIA from certain taxes, which contributed to the improvement in TWIA’s rate adequacy. 

YEAR RESIDENTIAL RATE ADEQUACY COMMERCIAL RATE ADEQUACY 
2022 15% inadequate 11% inadequate 
2023 20% inadequate 22% inadequate 
2024 38% inadequate 45% inadequate 
2025 3% inadequate 5% inadequate 
2026 9% adequate 4% adequate 

 The Board will consider the Committee’s recommendation, the Rate Adequacy Analysis, and stakeholder feedback when voting to decide the content of the Association’s annual rate filing, which is required to be made on or before August 15 with the Texas Department of Insurance.    

All TWIA filings are subject to review by the Department of Insurance. The Insurance Commissioner must approve a filing for a rate increase to go into effect. 

A timeline of TWIA’s 2026 annual rate filing consideration process is available here. 

Other Board Meeting Business  

Other items on the meeting agenda include:  

  • The Association’s required annual maximum limits of liability filing with the Texas Department of Insurance.  
  • A report by staff on commissions paid to insurance agents. 
  • An update by actuarial staff on the annual adjustment of factors for the Automatic Adjusted Building Cost (“inflation guard”) Endorsement on TWIA policies.  
  • A review of contracts and requests for proposals for various financial, actuarial, and reinsurance services.  
  • Updates on the activities and recommendations of the Legislative & External Affairs Committee and the General Manager Performance Criteria Committee. 
  • Routine reports and operational updates from staff. 

Public Participation and Comment 

All meetings of the TWIA Board of Directors and its committees are open to the public. The public may attend and make public comment in person at the Tremont House Hotel in Galveston or virtually via Zoom. Members of the Board and staff may participate in the meeting in person or virtually. The meeting will also be livestreamed on YouTube. 

TWIA provides three methods for stakeholders to provide public comment to the Board of Directors: 

1) Written Public Comment 

Members of the public are invited to submit written comments via email at PublicComment@TWIA.org. 

Interested parties are encouraged to submit comments by noon on Friday, July 31, so the Board can receive and review them before the August 4 meeting. TWIA staff will provide the Board with all written comments regardless of when they are received.  

Written comments submitted to TWIA are subject to the Texas Public Information Act. TWIA will post public comments received, with personally identifiable information redacted, at the bottom of this web post. 

2) Virtual Verbal Public Comment via Zoom 

Individuals wishing to make verbal public comment remotely during the meeting must register and log into the meeting via Zoom on a computer, tablet, smartphone, or telephone. Please ensure you have the latest version of Zoom on your device before joining the meeting. Learn how to update to the latest version of Zoom here. 

  • You can register to attend the meeting via Zoom. 
  • After registering for the meeting, you will receive a confirmation email with details on how to join the meeting from your preferred device. 
  • This method of comment is audio only (no video). 

3) In-Person Verbal Public Comment at the Tremont House Hotel in Galveston  

Individuals wishing to make in-person verbal public comment must attend the meeting at the Tremont House Hotel in Galveston. TWIA staff will facilitate the public comment process. 

The full address of the meeting location is:  

The Tremont House 
2300 Ships Mechanic Row 
Galveston, TX 77550 

Members of the media with questions about the Board meeting, please email MediaRelations@TWIA.org.

The meeting materials and archived recording for this committee meeting will be added to our Meeting Library after the meeting.   

Written Public Comment Received  

As of July 24, 2026, TWIA has received no written public comments related to this meeting.