Texas has unique windstorm insurance rules through TWIA — and Hurricane Harvey proved how devastating Gulf storms can be. Enter your home value and county to see exactly what you'd pay after a named storm.
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Pre-loaded with Texas rules
Harris County is the most populous county in Texas. Areas east of Hwy 146 are TWIA-eligible. Hurricane Harvey (2017) caused $125B in damage here.
Standard for most coastal TX counties
Your Out-of-Pocket Exposure
$7,000
2% of $350,000 insured value
Significant exposure. Consider a dedicated hurricane savings account.
The Texas Windstorm Insurance Association (TWIA) covers wind/hail in 14 designated coastal counties. TWIA does NOT cover flood — you need a separate NFIP or private flood policy.
Harvey (2017) caused $125B+ in damage — mostly flooding, not wind. Your hurricane deductible covers wind damage only.
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Texas has unique windstorm insurance rules — especially for the 14 TWIA-eligible coastal counties.
TWIA covers wind and hail damage in 14 designated coastal counties. It does NOT cover flood. Harvey's catastrophic flooding required separate NFIP or private flood policies.
The hurricane deductible triggers when the National Weather Service issues a hurricane watch or warning for your area. Tropical storms use your standard deductible.
Aransas, Brazoria, Calhoun, Cameron, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio, Willacy, and parts of Harris County.
Hurricane Harvey (2017) caused $125B+ in damage, mostly from flooding. Many Texas homeowners discovered their wind policy didn't cover flood losses.
| Region | Counties | Typical Deductible | Windstorm Insurer |
|---|---|---|---|
| Upper Gulf Coast | Harris, Galveston, Brazoria | 2–5% | TWIA |
| Coastal Bend | Nueces, Aransas, San Patricio | 2–5% | TWIA |
| Lower Rio Grande | Cameron, Willacy, Hidalgo | 2–3% | TWIA |
| Golden Triangle | Jefferson, Orange, Hardin | 2–3% | TWIA |
| Central TX Coast | Calhoun, Matagorda, Victoria | 2–3% | TWIA |
| Houston Suburbs | Fort Bend, Montgomery, Waller | 1–2% | Private |
| San Antonio / Austin | Bexar, Travis, Comal | 1% | Private |
The 2026 Atlantic hurricane season opens June 1. Compare insurance quotes now — before a named storm forms and carriers stop writing new policies.
Affiliate disclosure: We may earn a commission at no cost to you. This calculator is for informational purposes only — not insurance advice.