Texas Porch

Windstorm Insurance

Victoria County is not in the TWIA windstorm insurance territory

TWIA is the state's backup windstorm insurer. It covers only 14 coastal counties, and Victoria County is not one of them.

Victoria County Home & Property

TWIA stands for the Texas Windstorm Insurance Association. It is the state's last-resort insurer for windstorm damage. It covers 14 first-tier coastal counties: Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio, and Willacy, plus part of Harris County. Victoria County is not on that list.

Victoria County is not eligible for TWIA. That means you must shop for wind coverage on your own. Look in the private insurance market. A standard home policy may or may not cover wind. Read yours carefully.

After Hurricane Harvey, some insurers raised rates here. Others added higher wind deductibles. Ask your agent directly: does my policy cover wind and hail? Do not assume it does.

Source to confirm: TWIA — Coverage and Eligibility

More Victoria County notes

Property Tax Basics

Two offices handle your property taxes

In Victoria County, one office sets your property value and a separate office collects your tax bill.

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Homestead Exemption

Apply for the homestead exemption to lower your school tax

Texas homeowners who live in their home can apply for a $140,000 school district exemption that lowers their taxable value.

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Age & Disability Exemptions

Extra tax break for residents 65 and older or disabled

Homeowners who are 65 or older, or who receive Social Security disability benefits, can get an additional $60,000 school tax exemption.

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Agricultural Valuation

Farm or ranch land is taxed on what it produces, not what it sells for

Texas lets qualifying farm, ranch, and timber land be taxed on what it earns, not what it would sell for, which can sharply cut the tax bill.

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