Coastal Texas Coverage
TWIA & Windstorm Insurance in Corpus Christi
Texas Windstorm Insurance Association (TWIA) and private windstorm coverage for homes and businesses in Nueces County and the Coastal Bend. Quoted side-by-side by an agency that has written coastal Texas wind for over three decades.
If you live in Nueces County, Aransas, Refugio, Kleberg, or any of the 14 first-tier coastal counties: your standard homeowners policy almost certainly excludes wind & hail. You need TWIA or a private windstorm policy in force before hurricane season — once a named storm enters Gulf waters, TWIA closes binding entirely.
What is TWIA?
The Texas Windstorm Insurance Association is the state-chartered residual market for wind and hail coverage in the 14 first-tier coastal counties along the Texas Gulf — from Cameron County in the south through Jefferson County to the east. It exists because private carriers, after major hurricane losses, withdrew from writing primary wind on the coast. TWIA fills the gap so that property owners can still get a roof over their head insured.
TWIA writes wind and hail only. It is not a substitute for your HO-3 homeowners policy — you still need a standard policy for fire, theft, liability, water damage, and non-wind perils. TWIA is the wind layer on top.
Coverage limits, deductibles (percentage-based for named storms), and eligibility are defined by Texas statute and TWIA underwriting rules. Roof age and condition, certificate of compliance (WPI-8), elevation, and prior claims all factor into both eligibility and pricing.
TWIA vs. Private Windstorm — How We Quote Both
TWIA Wind & Hail
- State-chartered insurer of last resort
- Wind & hail only (no fire, theft, water)
- Statutory coverage limits ($2M dwelling max)
- Named-storm % deductible (1%, 2%, or 5%)
- WPI-8 inspection required for new construction
- Binding closes when storm enters Gulf
Private Windstorm
- Higher coverage limits possible
- Broader endorsements available
- Better pricing for qualifying homes
- Replacement Cost roof options possible
- Availability fluctuates with the market
- Roof age, claims, elevation all matter
We quote both — and tell you the trade-offs straight. A well-priced private policy can be a better fit; sometimes TWIA is the only carrier willing to write. The answer depends on your specific roof, location, and history.
How Hurricane Deductibles Actually Work
Almost every coastal wind policy carries a separate named-storm or hurricane deductible — a percentage of the dwelling limit (not the loss) that applies only when a named tropical system causes the damage. Typical options are 1%, 2%, or 5%.
On a $400,000 dwelling, that means:
- 1% deductible = $4,000 out of pocket
- 2% deductible = $8,000 out of pocket
- 5% deductible = $20,000 out of pocket
Every percentage point you raise lowers your premium — sometimes significantly. Every percentage point you raise also raises your bare-minimum reserve fund. We help you size that deductible against what you can actually write a check for the day after a storm, not the day you bind the policy.
Coastal Areas We Write
TWIA & Windstorm Questions, Answered
Get a TWIA & private windstorm quote — side by side.
Tell us about your home, your roof, and your zip. We will quote both markets and walk you through the trade-offs.