Texas Windstorm Insurance Association

Welcome to the Texas Windstorm Insurance Association (TWIA) Hub! This is where you can find information about our mission, operations, and what we do to provide essential wind and hail insurance coverage to property owners along the Texas coast.

What is TWIA?

TWIA is a not-for-profit insurance association established in 1971 to provide wind and hail insurance coverage to property owners who have been denied coverage in the private (voluntary) market. We operate as a last resort insurer, providing coverage to property owners who are unable to obtain standard insurance coverage due to the risks associated with catastrophic hurricanes.

Why does TWIA exist?

TWIA exists to ensure that property owners along the Texas coast have access to wind and hail insurance, which is essential for buying, selling, and owning property. Standard homeowner's insurance companies often deny wind and hail coverage for property along the Texas coast, leaving property owners without the standard insurance coverage required by mortgage lenders and other financial institutions. TWIA provides a source of insurance as a last resort for property owners who have been denied coverage in the private market.

How does TWIA operate?

TWIA is a not-for-profit insurance association that operates like an insurance company. We issue policies, collect premiums, and pay losses (claims) for property damage caused directly by wind and hail. TWIA policies do not cover damage caused by flooding and storm surge. Our coverage area includes 14 counties along the Texas coast, with over 231,000 policies in force.

TWIA's Coverage Area

Our coverage area includes 14 counties along the Texas coast, including:

• Aransas County
• Brazoria County
• Calhoun County
• Camille County
• Galveston County
• Jackson County
• Jefferson County
• Matagorda County
• Nueces County
• Polk County
• Refugio County
• San Patricio County
• Victoria County
• Wharton County

As a not-for-profit insurance association, TWIA is committed to providing essential wind and hail insurance coverage to property owners along the Texas coast. We are dedicated to ensuring that property owners have access to insurance, even when standard insurance companies deny coverage due to the risks associated with catastrophic hurricanes.