Windstorm Insurance

Most Galveston County Homes Need a Separate Windstorm Policy

Private home insurance in Galveston County usually does not cover hurricane wind damage, so many owners must buy a separate policy from TWIA.

Galveston County Home & Property

Texas created the Texas Windstorm Insurance Association (TWIA) in 1971 as a last resort for coastal homeowners. Galveston County is one of 14 first-tier coastal counties where TWIA coverage is available. If private insurers won't cover your home for wind and hail, TWIA can step in.

To qualify, you must show at least one private company denied you coverage. Your home must also be certified as built to the right building codes (usually with a WPI-8 form). If your home is in a V or VE coastal flood zone and was built or significantly altered after September 1, 2009, you are also required to carry separate flood insurance to get TWIA coverage. Check twia.org for current rates and eligibility rules.

Source to confirm: TWIA — Coverage and Eligibility

More Galveston County notes

Property Tax Basics

Two Offices Handle Your Property Tax in Galveston County

The appraisal district sets your property value; the tax office collects what you owe — and they are two separate offices.

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Homestead Exemption

Homestead Exemption Can Lower Your Tax Bill in Galveston County

If you own and live in your home, you can apply for a homestead exemption that reduces how much of your property value gets taxed.

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MUD / PID / Special Districts

Galveston County Has Dozens of Special Tax Districts

Many newer neighborhoods in the county sit inside a Municipal Utility District or other special district that adds an extra layer of taxes to your bill.

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Flood Risk

Much of Galveston County Is in a High-Risk Flood Zone

Galveston County has updated federal flood maps, and many properties — especially on the island — are in zones that require flood insurance.

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