Windstorm Insurance

Parts of Harris County Can Get Windstorm Insurance Through TWIA

Homeowners in the eastern part of Harris County — east of Highway 146 — may qualify for windstorm and hail insurance through the Texas Windstorm Insurance Association (TWIA).

Harris County Home & Property

TWIA is the state's insurer of last resort for coastal windstorm and hail damage. It covers all 14 first-tier Gulf Coast counties plus parts of Harris County east of Highway 146. Communities in that zone include La Porte, Morgan's Point, Pasadena, Seabrook, and Shore Acres.

To qualify, your property must be in the designated area, you must have been turned down by at least one private insurer, and the structure must meet applicable building codes (certified with a WPI-8 form). TWIA coverage supplements a standard homeowner policy — it does not replace it. Check eligibility at twia.org or contact TDI at tdi.texas.gov.

Source to confirm: TWIA – Coverage and Eligibility

More Harris County notes

Appraisal District

Who Sets Your Property Value in Harris County

The Harris Central Appraisal District (HCAD) sets the taxable value of every property in the county each year.

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Property Tax Exemption

Homestead Exemption Can Cut Your Tax Bill in Harris County

Homeowners who live in their Harris County home as their primary residence can get a significant cut in their property tax bill through the homestead exemption.

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Property Tax Protest

You Can Fight Your Appraisal in Harris County

Harris County property owners have the right to protest their appraised value every year — and many do.

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Municipal Utility Districts

What a MUD Is — and Why It Matters in Harris County

Harris County has hundreds of Municipal Utility Districts (MUDs) that provide water, sewer, and drainage to homes outside city limits.

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