Windstorm Insurance

Hidalgo County Is Not in the State Windstorm Insurance Zone

The Texas Windstorm Insurance Association (TWIA) does not cover Hidalgo County—you must get windstorm coverage through a private insurer.

Hidalgo County Home & Property

TWIA is the Texas Windstorm Insurance Association. It is the state's backup insurer for hurricane and wind damage. It covers 14 coastal counties. Hidalgo County is not one of them.

That means private insurers are your only option for windstorm coverage. Most standard homeowners policies do not cover wind damage by default. You have to ask for it.

When you shop for homeowners insurance here, ask your agent about windstorm coverage directly. Find out what is covered. Find out what the deductible is. Find out what it costs. Do not assume your policy covers wind just because you have one.

Source to confirm: TWIA – Coverage and Eligibility

More Hidalgo County notes

Property Tax Basics

Two Separate Offices Handle Your Property Taxes

Hidalgo County has one office that values your property and a different office that collects the taxes—you need to know which to contact.

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Homestead Exemption

A Homestead Exemption Can Lower Your Tax Bill

If your home is your main residence, you can file for a homestead exemption that reduces how much of its value gets taxed.

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Taxing Units

Your Tax Bill Comes From Many Different Entities

Hidalgo County has 56 active taxing units, so your total tax bill is the sum of rates from several different entities.

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Agricultural Valuation

Farm and Ranch Land Can Be Taxed on Productivity, Not Market Value

Texas law lets qualifying farmland and ranchland be taxed on what it produces rather than what it could sell for, which can cut the tax bill significantly.

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