How much does windstorm insurance in Texas cost depends on the TWIA (Texas Windstorm Insurance Association) rates. The Texas Department of Insurance requires TWIA to have adequate rates in order to meet its obligations. TWIA rates are set by the Board of Directors and are reviewed periodically. Premiums are based on standard rating factors, and personalizing a policy (adding endorsements, modifying coverage, etc.) can increase premiums. The use of credit scores is not used by TWIA, but there are premium credits available for items built according to recent windstorm building codes.


There are several factors to consider in determining how much windstorm insurance will cost in Texas. The Texas Windstorm Insurance Association (TWIA) sets the rates for its policies. Having adequate rates helps ensure the association will be able to meet its financial obligations. TWIA sets its rates after consulting the Board of Directors and the Texas Department of Insurance. Rates are based on standard rating factors. Personalization of the policy (add endorsements) can impact the premium payment amount. Additionally, TWIA does not use credit score to determine rates. Premium credits for recent windstorm-built items may also be available.

In general, TWIA policies cost an average of $1,600 per year. The price of a TWIA policy depends on the area, age, condition, and value of the home. Additional coverages, including flood insurance, may increase the premium. Private windstorm insurance is more affordable than TWIA but has higher coverage limits. Moreover, TWIA policies are easier to qualify for. While TWIA policies are generally the best option for most homeowners, a private windstorm insurance policy may be a better option.

Private insurers

Although you are not legally required to purchase windstorm insurance in Texas, some mortgage lenders require that you obtain this type of coverage. Windstorm insurance pays for direct damage to your home or other property caused by a storm or hail. It can also help you with other expenses, such as loss of use or repair costs. Private insurers in Texas offer several windstorm insurance plans. To learn more about windstorm insurance in Texas, read on.

If you live in Texas, you can purchase windstorm insurance through the Texas Windstorm Insurance Association (TWIA). This state-sponsored plan covers the cost of storm damage, including damaged properties, while also covering personal possessions. Some TWIA policies cover increased construction costs as well. In Texas, the increased cost of reconstruction coverage kicks in when the costs exceed the policy’s limit. To qualify for TWIA coverage, you must have been turned down for windstorm insurance by at least one other insurer.


The United Corpus Christi Chamber of Commerce is pushing the Texas Windstorm Insurance Association not to raise rates on windstorm insurance for homes and businesses. The TWIA is set to meet on Tuesday in Galveston to determine if rates are still adequate for the next five years. The organization produces an annual rate adequacy analysis. The association says that residential rates need an increase of 15 percent while commercial rates need an increase of 11 percent.

Insurers in Texas must file their rates with the Texas Department of Insurance by Aug. 15 of each year. The Texas Windstorm Insurance Association (TWIA) is a government-sponsored insurer that provides windstorm insurance to homeowners along the Texas coast. Although TWIA policies are usually basic, the private market is also available for those who need comprehensive coverage. The TWIA’s rates are also subject to changes in Texas windstorm building codes.

Criteria to qualify

While a high-risk area is an important factor for windstorm insurance, not all homes in Texas qualify. If your home was built outside of the approved building code, for example, you may have to purchase windstorm insurance from a private provider. You must also carry flood insurance in addition to your homeowners insurance. While private windstorm insurance is less expensive and typically offers higher coverage limits, securing windstorm insurance can be more difficult.

To qualify for windstorm insurance in Texas, you must meet the underwriting requirements set by the Texas Windstorm Insurance Association. Insurable property means that it meets the standards established by TWIA. This means that your home must be structurally sound, meaning no rotting, unrepaired, or hazardous conditions. It must also be located in a designated area and have a TWIA certificate.

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