Assumption Reinsurance Depopulation Program Round 10 Beginning Soon

TWIA’s Assumption Reinsurance Depopulation Program (Assumption Program) for 2026-2027 (Round 10) is beginning soon.

Authorized by the Texas Legislature in 2015 and amended in 2019, the Assumption Program is an annual process where participating insurers make offers on large numbers of TWIA’s policies. The program is designed to provide TWIA policyholders with alternative options for wind and hail insurance in the private market.

Insurance carriers seeking to participate in the Assumption Reinsurance Depopulation Program (Assumption Program) must be authorized to write property insurance in Texas. Insurers who are not currently authorized to write property insurance in Texas and want to participate in the upcoming round of the Assumption Program are strongly urged to apply to the Texas Department of Insurance (TDI) now.

The Summary Timeline summarizes each phase of the Assumption Program, and this Document Index provides additional information about program documentation and deadlines. Note that the deadline to submit the program application package to TWIA and TDI is October 1.

Please contact us at depop@twia.org if you have any questions.