TWIA Posts 2020 Rate Adequacy Analysis

Pursuant to Section 2210.3511 of the Texas Insurance Code, TWIA’s 2020 Rate Adequacy Analysis is now available on our website. The analysis will be considered by TWIA’s Actuarial & Underwriting Committee and the TWIA Board of Directors as part of the Association’s annual rate filing process. More information on TWIA’s annual rate filing consideration process is available here.

The Rate Adequacy Analysis indicates that TWIA’s current rates are inadequate by 44 percent for residential coverage and 49 percent for commercial coverage. A more thorough summary of conclusions is found in the Rate Adequacy Presentation to the Committee, which is included with the Rate Adequacy Analysis documents.

The Rate Adequacy Analysis package can be reviewed at, and includes:

The Rate Adequacy Analysis is an estimate based on professional judgement and statistical modeling of future weather events. Actual future events will differ from these estimates.

Members of the public may comment on the Rate Adequacy Analysis via email to E-mailed comments received by Noon CT on Friday, July 31 will be compiled and provided to the TWIA Board of Directors prior to the August 4 meeting. There will also be a period for public comment with respect to the Association’s Rate Adequacy Analysis at the August 4 Board meeting, which will be held via teleconference. Information on how individuals may participate in the August 4 Board meeting will be posted to TWIA’s website on July 24.

If you are a member of the media, you may send inquiries to