Texas Windstorm Insurance

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Every year, Texas experiences windstorms and hurricanes. In 2020, Hurricane Hanna made landfall on Padre Island, bringing severe hurricane conditions to South Texas. After the conclusion of the storm, rainfall totaled 12 inches in some areas, causing $350 million to $400 million in insured losses in Texas.

Standard homeowners insurance policies typically cover wind damage. But if your home is located near the coastline, your home insurance policy might exclude this coverage. Texas homeowners who live in high-risk areas should consider purchasing windstorm insurance for added protection.

Windstorm insurance for Texas homeowners

Windstorm insurance is sold as a standalone insurance policy or an endorsement that covers damage caused by hurricanes and wind storms. It usually includes dwelling coverage and personal property coverage. Some windstorm insurance policies also include loss of use coverage, which will pay for temporary living expenses if your home needs repairs following a storm.

Texas windstorm insurance is sometimes called hurricane insurance. However, that name can be deceiving. Windstorm insurance only covers damage that is directly caused by wind, like broken windows or shingles that get blown off the roof. It does not cover the flood-related damage that commonly occurs with hurricanes.

Like most types of insurance, Texas windstorm insurance has a required deductible. The deductible applies to any type of windstorm, even if it is not officially declared a hurricane by the National Weather Service (NWS). Depending on the insurance policy, the deductible can be a percentage of the policy’s dwelling coverage limit or a set dollar amount.

Where to get windstorm insurance in Texas

There are many insurance companies in Texas that offer windstorm insurance policies and endorsements. Windstorm insurance is available from private insurance companies and government-funded programs. Here are some private companies that offer windstorm insurance in Texas.

Safepoint Insurance

Safepoint Insurance offers wind and hail storm coverage with limits between $75,000 – $1,000,000. Customers can choose a flat rate deductible of $100 or $200 or choose a percentage deductible of 1.5 percent to 5 percent. Homeowners can pay for their windstorm insurance policy annually, bi-annually or quarterly.

Wellington Insurance Group

The Wellington Coastal Insurance Program offers windstorm insurance for Texas homeowners who live in high-risk areas. This policy includes dwelling, other structures and personal property coverage that is reimbursed at Replacement Cost Value (RCV). Homeowners have the option to add endorsements for consequential loss, wind-driven rain, increased construction costs and mandatory evacuation coverage.

Maison Insurance

Maison Insurance offers wind and hail insurance for homes that are valued between $75,000 – $750,000. It is only available to Texas homeowners who own a single-family or duplex home, and do not have windstorm coverage through their home insurance policy. With Maison Insurance, required deductibles start at $500 for unnamed wind storms and max out at 5% for named storms.

The Texas Windstorm Insurance Association

The Texas Windstorm Insurance Association (TWIA) offers insurance coverage to homes in high-risk counties that cannot get standard insurance from a private insurance provider. TWIA insurance includes dwelling, personal property and miscellaneous items coverage. There are also policies for commercial buildings, manufactured homes, condos and townhouses.

TWIA insurance is currently available in 14 counties:

  • Aransas County
  • Brazoria County
  • Calhoun County
  • Cameron County
  • Chambers County
  • Harris County (certain areas)
  • Galveston County
  • Jefferson County
  • Kennedy County
  • Kleberg County
  • Matagorda County
  • Nueces County
  • Refugio County
  • San Patricio County
  • Willacy County

Not all homes in Texas qualify for TWIA. The home must be located in one of the 14 covered counties and applicants must show proof of denied windstorm coverage from a private insurance provider. Additionally, the home must be built in compliance with certain building codes and be kept in good condition overall. Homes that are located in flood zones are required to carry flood insurance.

The main differences between TWIA insurance and private windstorm insurance are price and coverage limits. Typically, wind insurance from private insurance providers is cheaper and has higher coverage limits. However, it is more difficult to qualify for private insurance. Homeowners in Texas should apply for private wind insurance before looking into TWIA.

How much does windstorm insurance cost in Texas?

Windstorm insurance rates in Texas vary. The average TWIA policy costs $1,600 per year, but the rate is based on the location of the home, the condition of the home, the age of the home and the coverage limits. If the homeowner adds optional coverages to their policy, it will increase their premium. Windstorm insurance policies are priced based on the home itself, so having a great credit score or clean claims history will not affect your rate significantly.

Frequently asked questions

What is the best home insurance company in Texas?

The best home insurance company in Texas is different for every homeowner. Some homeowners are looking for the lowest rates and others are looking for great customer service or multiple discount options. Texas homeowners should shop around and compare providers to see which one is right for them.

How much windstorm coverage do I need?

Texas homeowners should have enough windstorm coverage to pay for the cost of rebuilding their home and to replace their personal belongings. Homeowners can also consider purchasing add-on coverages for more protection.

Does windstorm coverage protect my car?

No, windstorm insurance will not cover vehicle damage. A comprehensive car insurance policy will cover your car’s damage after a hurricane or windstorm. This also applies to falling objects. For instance, if your garage roof caved in during a hurricane and smashed your vehicle’s windshield, your comprehensive car insurance would cover the damages.