Coverage & Eligibility

To obtain or continue windstorm and hail coverage through the Texas Windstorm Insurance Association (TWIA), property must meet certain requirements established by the Texas Legislature. These requirements are outlined in Texas Insurance Code Chapter 2210.

Coverage Types

  • Residential: Dwellings, personal property, manufactured homes
  • Commercial: Commercial buildings, business personal property, townhouses and condominiums
  • Miscellaneous Items: Including but not limited to signs, fences, swimming pools, and flagpoles


In order to be eligible for a TWIA policy, applicants and properties must meet the following criteria:

  • Properties must be located in the area designated by the Commissioner of Insurance, which currently includes all 14 first-tier coastal counties (Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio and Willacy) and parts of Harris County east of Highway 146
  • Applicants must have been denied coverage by at least one authorized insurer actively writing or renewing windstorm and hail coverage in the designated area
  • Properties must be certified by the Texas Department of Insurance (WPI-8/WPI-8-E) or Texas Windstorm Insurance Association (WPI-8-C) as having been built to applicable building codes, with limited exceptions. Learn more about the windstorm Certificates of Compliance.
    • Residential properties with construction from 1988 to June 19, 2009 that are not certified may still be eligible for TWIA coverage. These properties must pay a 15% surcharge based on, and in addition to, their policy premium amount.
    • Residential properties insured on/after June 19, 2009 by an insurer in the private market and that are non-renewed or cancelled by the insurer and missing a required WPI-8 at the time of policy non-renewal/cancellation may be eligible for TWIA coverage.
  • Properties located in flood zones V, VE, or V1-30 that were constructed, altered, remodeled, or enlarged on or after September 1, 2009 and that can obtain flood insurance through the NFIP must provide proof of flood insurance coverage (learn more about the flood insurance requirement) and
  • Properties must meet all other Association underwriting requirements, including maintaining the structure in an insurable condition – in good repair, with no unrepaired damage or hazardous conditions.
TWIA regularly inspects properties as part of its underwriting process to determine the accuracy of rating information, discover any unrepaired damage, and identify any other conditions that affect the insurability of the property. Properties may be inspected physically by a vendor or remotely with high-quality aerial imagery and risk management reports. Policies may be reevaluated at any time to ensure continued compliance with all eligibility requirements.