Published Date: July 14, 2025
TWIA Committee Recommends No Rate Change for 2026 Policies
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Published Date: July 01, 2025
TWIA Posts 2025 Rate Adequacy Analysis; Actuarial & Underwriting Committee to Meet on Rate Recommendation
Essential Meeting Information: The Texas Windstorm Insurance Association (TWIA) today published its 2025 Rate Adequacy Analysis. TWIA’s Actuarial & Underwriting Committee will meet on July 14 to review the Analysis and develop a recommendation to the TWIA Board of Directors on the Association’s required annual rate filing with the Texas Department of Insurance. The agenda […]
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Published Date: June 30, 2025
TWIA Has Begun Its Annual Rate Filing Process
TWIA’s annual rate filing process is now underway. As required by law, TWIA must submit a rate filing to the Texas Department of Insurance by August 15. TWIA’s Actuarial & Underwriting Committee will meet on July 14 to consider a rate recommendation to the TWIA Board of Directors. The Board will meet on August 5 to vote on the rate filing […]
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Published Date: June 26, 2025
Timeline for TWIA’s Annual Rate Filing Consideration
Essential Information: The Texas Windstorm Insurance Association’s (TWIA) annual rate filing consideration process is about to begin. By law, TWIA must make a rate filing with the Texas Department of Insurance by August 15 each year. TWIA’s Actuarial & Underwriting Committee will meet in July to decide on a rate recommendation to TWIA’s Board of […]
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Published Date: June 04, 2025
Hurricane Season is Here and We Are Ready to Respond
Hurricane season is here and TWIA policyholders can trust us to be ready to respond when a storm impacts the Texas coast. TWIA Is Ready to RespondWe have secured access to $6.227 billion in funding and updated our Catastrophe (CAT) Incident Response Plan to ensure we quickly and effectively respond to policyholders in the event of […]
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Published Date: May 30, 2025
TWIA Issues 2025 Annual Report and Catastrophe Incident Response Plan
Texas Insurance Code Section 2210.107(c) requires TWIA to produce an Annual Report to the Texas Legislature detailing the extent to which the Association and the Board of Directors have met the requirements of the Code. TWIA’s 2025 Annual Report, covering the period from June 1, 2024 to May 31, 2025, shows that TWIA and its […]
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Published Date: May 06, 2025
TWIA Board Takes Action on Financial Preparations for 2025 Storm Season
The Texas Windstorm Insurance Association Board of Directors met in Austin on May 6 for its second quarterly meeting of 2025. The Board received an update on reinsurance funding for the 2025 storm season and routine operational highlights. Earlier this year, the Board directed staff to pursue the purchase of $1.727 billion in new reinsurance […]
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Published Date: April 29, 2025
Cloud Portals Podcast
We have moved our systems to the cloud. This means that the Agent Portal has a refreshed look but a familiar feel to the previous Agent Portal. New Podcast AvailableTo navigate through the refreshed look, the “Cloud Agent and Policyholder Portal” podcast is now posted on the Agent Training Center. You can find it under the section labeled Podcast. If you are experiencing […]
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Published Date: April 25, 2025
TWIA Board to Meet in Austin on May 6
Essential Meeting Information: The Texas Windstorm Insurance Association Board of Directors will meet at the Marriott Austin South on Tuesday, May 6, at 9:00 a.m. CT. The meeting agenda and meeting materials are available. The Board will receive routine operational updates from Association staff and: The Board will not consider any action on rates at […]
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Published Date: April 25, 2025
Agent Portal Offline Friday 4/25
Essential Information: Dear TWIA agents, As announced in a previous email, Agent and Policyholder portals are moving to the cloud. Systems will be offline tomorrow, April 25 at 12:00 p.m. We expect our cloud systems to be available by 8:00 a.m. on Monday, April 28. Actions Needed Contact us for any questions.
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Published Date: April 16, 2025
We are moving to the cloud
Essential Information: Attention TWIA agents: Agent and Policyholder portals are moving to the cloud. The move will begin at 12:00 p.m. (noon) on Friday, April 25. Our systems will be unavailable during the move. We expect our cloud systems to be available by 8:00 a.m. on Monday, April 28. Actions Needed Things to Know Learn more […]
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Published Date: March 27, 2025
Agent Requirements & Performance Standards Acknowledgement
The TWIA Agent Requirements & Performance Standards acknowledgment is live on the Agent Portal login page. Please read the Agent Requirements and Performance Standards, as they apply to all agents who offer or sell TWIA policies. To continue accessing the Agent Portal, you must agree to abide by the standards. What You Need to Know As announced […]
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Published Date: March 13, 2025
Agent Requirements & Performance Standards
TWIA has established agent requirements and performance standards as authorized by Senate Bill 2232 and Texas Insurance Code Section 2210.016. Please read the Agent Requirements and Performance Standards document. It applies to all agents who offer or sell TWIA policies. What You Need to Know These standards reinforce and document our current guidelines and expectations for agent conduct, financial responsibilities, compliance, […]
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Published Date: February 25, 2025
TWIA Board Sets $6.227 Billion as 1-in-100 Probable Maximum Loss for 2025 Storm Season, Will Pursue $1.727 Billion in Reinsurance
The Texas Windstorm Insurance Association Board of Directors met on February 25 and voted to establish $6.227 billion as the Association’s 1:100 probable maximum loss (PML) for the 2025 storm season. The 1:100 PML is the level of losses that would be expected to be reached or exceeded only 1% or less of the time. […]
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Published Date: February 14, 2025
Public Invited to Comment as TWIA Board Meets in Galveston on 2025 Storm Season Funding
Essential Meeting Information: The Texas Windstorm Insurance Association’s Board of Directors will meet at the Moody Gardens Hotel in Galveston on Tuesday, February 25, at 9:00 a.m. CT. The meeting agenda and materials are available for public review. 2025 Storm Season Funding The Board is expected to determine the Association’s 1:100 probable maximum loss (PML) […]
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Published Date: January 09, 2025
TWIA Updates & Important Information for 2025
We have several updates to share with you for 2025. Implementing Laws Passed in the 88th Legislative SessionHere is an update on the remaining laws that we are implementing from the 2023 legislative session. Upcoming 89th Legislative Session System Updates Your Feedback MattersWe invite you to participate in a brief survey, so we may better understand your needs […]
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Published Date: December 20, 2024
2024 Hurricane Season in Review
Now that the 2024 Atlantic Hurricane Season is over, we want to provide updates on our Hurricane Beryl response, along with key trends and challenges we’ve identified. Hurricane Beryl Overview Although Hurricane Beryl was the most significant storm to directly impact Texas in 2024, Hurricanes Debby, Francine, and Rafael also formed in the Gulf, triggering […]
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Published Date: December 11, 2024
TWIA Board Approves 2025 Operating Budget at Corpus Christi Meeting
The Texas Windstorm Insurance Association Board of Directors held its final quarterly meeting of the year on December 10 in Corpus Christi. In addition to receiving routine operational updates, the Board considered and took actions on the following agenda items: 2025 Budget: The Board voted to approve the Association’s operating budget for 2025. The budget […]
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Published Date: November 26, 2024
Public Invited to Comment as TWIA Board Considers 2025 Budget at Corpus Christi Meeting
Essential Meeting Information: The Texas Windstorm Insurance Association Board of Directors will meet at the Omni Hotel in Corpus Christi on Tuesday, December 10, 2024, at 9:00 a.m. The meeting agenda and meeting materials are available. Among the items on the agenda for this meeting are: The Board will not be considering changes in TWIA […]
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Published Date: November 13, 2024
TWIA Board Reviews 2025 Budget Information
The TWIA Board of Directors met on November 13 to review information related to the Association’s 2025 budget. Select highlights of the budget presentation include: The Board will consider final action regarding the budget at its December 10 meeting in Corpus Christi. The TWIA General Manager announced that the Texas Insurance Commissioner has appointed Greg […]
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Published Date: November 11, 2024
Hurricane Rafael Update Moratorium Lifted
The TWIA policy moratorium has been lifted by the TWIA General Manager. We are accepting applications, issuing new policies, and processing renewals today, Monday, November 11. The Policy Services team is available Monday through Friday, 8:00 a.m. to 5:00 p.m. at (800) 788-8247 or agentservices@twia.org.
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Published Date: November 06, 2024
Policy Moratorium in Effect Due to Hurricane Rafael
Hurricane Rafael is within the 80 degrees west longitude and 20 degrees north latitude, requiring TWIA to put a policy moratorium in effect. This means agents cannot quote or submit new business applications or make policy changes that increase coverage on existing policies or renewals. The policy moratorium will be lifted when the General Manager determines that the […]
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Published Date: November 01, 2024
TWIA Board to Review 2025 Budget Information at November 13 Meeting
Essential Meeting Information: The Texas Windstorm Insurance Association (TWIA) Board of Directors will hold an interim meeting on Wednesday, November 13 at 1:00 p.m. CT to review preliminary information about the Association’s 2025 budget. The meeting agenda and meeting materials are available. TWIA staff will preview the 2025 budget ahead of the Board’s December 10 […]
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Published Date: October 30, 2024
Hurricane Beryl Response Update
The Texas Windstorm Insurance Association and Texas FAIR Plan continue to receive claims from Hurricane Beryl at a slower rate. As of October 25, we have received 31,383 TWIA claims and 9,833 FAIR Plan claims. To date, we have paid $268.3 million on TWIA claims and $74.9 million on FAIR Plan claims. For TWIA, nearly 75% of claims […]
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Published Date: October 15, 2024
Texas Insurance Commissioner Disapproves 10% TWIA Rate Increase
The Texas Insurance Commissioner issued an order disapproving the Association’s filing for a 10% increase in rates for 2025. The Commissioner’s order found that the rate filing met the criteria set forth in Chapter 2210 of the Texas Insurance Code (the Texas Windstorm Insurance Association Act). However, the order cited several other factors as reasons for […]
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Published Date: October 07, 2024
Hurricane Milton Update Moratorium Lifted
The TWIA policy moratorium has been lifted by the TWIA General Manager. We are accepting applications, issuing new policies, and processing renewals today, Monday, October 7. The Policy Services team is available Monday through Friday, 8:00 a.m. to 5:00 p.m. at (800) 788-8247 or agentservices@twia.org.
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Published Date: October 06, 2024
Policy Moratorium in Effect Due to Hurricane Milton
As of the 1:00 p.m. update from the National Hurricane Center, Hurricane Milton is within the 80 degrees west longitude and 20 degrees north latitude, requiring TWIA to put a policy moratorium in effect. This means that agents cannot quote and submit new business applications or policy changes that increase coverage on existing policies or renewals, until the General […]
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Published Date: September 25, 2024
Hurricane Helene Update Moratorium Lifted
The TWIA policy moratorium has been lifted by the TWIA General Manager. We are accepting applications, issuing new policies, and processing renewals tomorrow, Thursday, September 26. The Policy Services team is available Monday through Friday, 8:00 a.m. to 5:00 p.m. at (800) 788-8247 or agentservices@twia.org.
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Published Date: September 25, 2024
Policy Moratorium in Effect Due to Hurricane Helene
As of the 10:00 a.m. update from the National Hurricane Center, Hurricane Helene is within the 80 degrees west longitude and 20 degrees north latitude, requiring TWIA to put a policy moratorium in effect. This means that agents cannot quote and submit new business applications or policy changes that increase coverage on existing policies or renewals, until the General […]
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Published Date: September 12, 2024
Hurricane Francine Update Moratorium Lifted
The TWIA policy moratorium has been lifted by the TWIA General Manager. We are accepting applications, issuing new policies, and processing renewals today, Thursday, September 12. The Policy Services team is available Monday through Friday, 8:00 a.m. to 5:00 p.m. at (800) 788-8247 or agentservices@twia.org.
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Published Date: September 10, 2024
Policy Moratorium in Effect Due to Hurricane Francine
As of the 7:00 p.m. CST update from the National Hurricane Center, Hurricane Francine is within the 80 degrees west longitude and 20 degrees north latitude, requiring TWIA to put a policy moratorium in effect. This means that agents cannot quote and submit new business applications or policy changes that increase coverage on existing policies or renewals, until the General […]
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Published Date: September 05, 2024
Rate Filing Update and Hurricane Preparedness Message
Attention agents: TWIA Rate FilingThe Texas Department of Insurance will hold public meetings on TWIA’s rate filing in Galveston and Corpus Christi to hear feedback from stakeholders. As a reminder, TWIA’s Board of Directors voted on August 6 to file a rate increase of 10% for residential and commercial policies in its required annual filing with the […]
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Published Date: August 16, 2024
Annual Rate Filing and Biennial Report
Attention agents: Rate Filing Association staff submitted TWIA’s annual rate filing for a 10% increase in 2025 residential and commercial rates to the Texas Department of Insurance this week. The TWIA Board of Directors approved the filings at its August 6 meeting. The filings have been posted to TDI’s website. The rate filings may be approved or […]
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Published Date: August 14, 2024
TWIA Submits Biennial Report to the 89th 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 2024 Biennial Report to the Texas Legislature. The Biennial Report contains information regarding the operations of the Association and the Board’s legislative recommendations for the 89th Texas Legislature. The 2024 Biennial Report may […]
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Published Date: August 08, 2024
2-Step Authentication Available for Agent and Policyholder Portals
Attention agents: 2-Step Authentication (2SA) is now available on the TWIA Agent Portal and Policyholder Portal. It provides an optional layer of security to your account. 2SA can be enabled by adding an email address or cell phone number to your account, so a security code can be sent to confirm your identity when logging […]
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Published Date: August 07, 2024
August 5 Policyholder Webinar: Recording and Resources Are Now Available
We held a second policyholder webinar, How a TWIA Claim Works, Part 2, on Monday, August 5, for those affected by Hurricane Beryl. If you or your TWIA policyholders would like to access the information, a recording of the webinar, the presentation, and frequently asked questions are now available at TWIA Policyholder Webinar: August 5, 2024. You can also access […]
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Published Date: August 06, 2024
TWIA to File for 10% Increase in Rates
The Texas Windstorm Insurance Association Board of Directors met on August 6 and voted to direct staff to file a rate increase of 10% for residential and commercial policies in its required annual filing with the Texas Department of Insurance (TDI). The filing, which was approved by a vote of 6 to 3, meeting the […]
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Published Date: July 31, 2024
Second Policyholder Webinar: How a TWIA Claim Works (Part 2) On Monday, August 5
TWIA policyholders who reported a Hurricane Beryl claim and their agents are invited to our second policyholder webinar, How a TWIA Claim Works (Part 2), on Monday, August 5, at 6:00 p.m. What will be covered: The TWIA claims process and details on possible claims decisions. This includes: Who should attend: TWIA policyholders and their agents. Policyholders received this reminder email […]
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Published Date: July 26, 2024
Public Invited to Comment as TWIA Board Considers Annual Rate Filing at August 6 Meeting
Essential Meeting Information: The Texas Windstorm Insurance Association Board of Directors will meet at the Tremont House in Galveston on Tuesday, August 6 at 9:00 a.m. CT. The Board is expected to consider the Association’s statutorily required annual rate filing for 2025 policies. The meeting agenda and meeting materials are available. All meetings of the […]
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Published Date: July 25, 2024
July 19 Policyholder Webinar: Recording and Resources Are Now Available
We held a policyholder webinar, How a TWIA Claim Works, on Friday, July 19, for those affected by Hurricane Beryl. If you or your TWIA policyholders would like to access the information, a recording of the webinar, the presentation, and frequently asked questions are now available at TWIA Policyholder Webinar: July 19, 2024. You can also access the webinar information from […]
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Published Date: July 19, 2024
System Outage Resolved
Update: All TWIA systems are back up and online after this morning’s Microsoft outage. The global Microsoft outage is impacting some TWIA systems. We are working with our vendors to restore full service as quickly as possible. This evening’s Policyholder Webinar is still planned for 6:00 p.m. We will share updates as they become available. […]
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Published Date: July 17, 2024
Policyholder Webinar: How a TWIA Claim Works This Friday July 19
TWIA policyholders who reported a Hurricane Beryl claim and their agents are invited to a webinar, How a TWIA Claim Works, this Friday, July 19, at 6:00 p.m. What will be covered: The TWIA claims process and how to help expedite a claim resolution. This includes: Who should attend: TWIA policyholders and their agents. TWIA policyholders received this email invitation today. […]
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Published Date: July 15, 2024
TWIA Committee Recommends 10% Rate Increase for 2025 Policies
TWIA’s Actuarial & Underwriting Committee met on July 15 and voted to recommend that the TWIA Board of Directors approve a rate filing to increase rates by 10% for 2025 residential policies and by 10% for 2025 commercial policies when it meets on August 6. The recommendation, on a 5 to 1 vote, came after […]
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Published Date: July 09, 2024
Hurricane Beryl Update Moratorium Lifted
TWIA is responding to policyholders affected by Hurricane Beryl. Thank you for providing TWIA policyholders with guidance and support as they begin the recovery process. The TWIA policy moratorium has been lifted by the TWIA General Manager. We are accepting applications, issuing new policies, and processing renewals today, Tuesday, July 9. Here is the latest info on the policy moratorium and a […]
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Published Date: July 05, 2024
CAT Plan Activated Due to Beryl
Current forecasts indicate Beryl will make landfall on the Texas coast late this weekend. In addition to putting a policy moratorium in effect, TWIA has activated our Catastrophe Incident Response (CAT) Plan. Activating the CAT Plan allows TWIA to begin scaling up resources, so we can quickly respond to policyholders with losses from the storm. Four Ways to Report a ClaimTWIA policyholders can report […]
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Published Date: July 05, 2024
Policy Moratorium in Effect for Hurricane Beryl
Hurricane Beryl is within the 80 degrees west longitude and 20 degrees north latitude, which requires TWIA to put a policy moratorium in effect. With the current storm trajectory, Hurricane Beryl is expected to impact TWIA’s coverage area. What happens when a policy moratorium is in effect? When does a policy moratorium go into effect?When there’s a […]
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Published Date: July 02, 2024
Public Invited to Comment as TWIA’s Actuarial & Underwriting Committee Meets to Develop Rate Recommendation
Essential Meeting Information: The Texas Windstorm Insurance Association’s (TWIA) Actuarial & Underwriting Committee will meet on Monday, July 15 at 10:00 am CT. The meeting agenda and meeting materials are available. The Committee will review the 2024 Rate Adequacy Analysis prepared by the Association’s actuarial staff, receive public comment, and consider whether to recommend a […]
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Published Date: July 02, 2024
TWIA Committee Finalizes Recommendations to Board on Legislative Report
The TWIA Board’s Legislative & External Affairs Committee met on July 2 and adopted legislative recommendations to include in the Association’s Biennial Report to the Texas Legislature. The Committee’s legislative recommendations will be provided to the TWIA Board of Directors for consideration at its August 6 meeting. The recommendations include proposals on FORTIFIED home construction, […]
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Published Date: July 01, 2024
TWIA Posts 2024 Rate Adequacy Analysis
TWIA’s 2024 Rate Adequacy Analysis indicates that TWIA’s current rates are inadequate by 38 percent for residential coverage and 45 percent for commercial coverage. The Rate Adequacy Analysis is an estimate prepared by TWIA’s actuarial staff of whether rates are sufficient to cover the Association’s operating expenses and its expected losses from claims. The 2024 […]
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Published Date: June 24, 2024
Timeline for TWIA’s Annual Rate Filing Consideration
Essential Information: The Texas Windstorm Insurance Association’s (TWIA) annual rate filing consideration process is about to begin. By law, TWIA must make a rate filing with the Texas Department of Insurance by August 15 each year. TWIA’s Actuarial & Underwriting Committee will meet in July before the rate filing date to decide on a rate […]
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