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Windstorm Insurance

In the state of Texas, windstorm insurance is not required, but if you live in a high-risk area, you may need to purchase coverage in order to get a mortgage. If you live near the coast, windstorm insurance is also a good idea, as most homeowners insurance policies exclude coverage for wind, hail, and other hurricane damage.

How does windstorm insurance work in Texas?

Do you need windstorm insurance in Texas?

How does windstorm insurance work in Texas?

Windstorm insurance generally covers direct damage to your home and property that’s caused by wind and hail. A wind insurance policy may also provide loss of use coverage, also called additional living expense coverage, if you can’t reside in your home for a period of time due to wind or hail damage.

Insurance policies for wind and hail damage have deductibles—the amount of money you must pay before the insurer will cover your losses. A flat dollar amount or percentage of the policy’s dwelling coverage limit is your deductible. Suppose you have $100,000 in dwelling coverage and have a one-percent (1%) deductible. Your deductible would be $1,000.

Do you need windstorm insurance in Texas?

Texas does not require windstorm insurance, but your mortgage lender will likely require it if you live in an area with a high risk of wind and hail damage. Because direct damage from wind, hail, and hurricanes are likely to be excluded from your home insurance policy if your home is in an area with a high risk of these natural disasters.
The Texas counties considered at risk for hurricanes and windstorms, and in which TWIA insurance is offered, are concentrated on the Gulf Coast and include:
Aransas
Brazoria
Calhoun
Cameron
Chambers
Harris (east of Highway 146)
Galveston
Jefferson
Kennedy
Kleberg
Matagorda
Nueces
Refugio
San Patricio
Willacy
If you live in a high-risk county and are considering windstorm insurance, we strongly advise you to do so immediately.

Call (979) 245-5563 or send us a message to request a callback.

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