Home insurance in Texas

Navigate Texas homeowners insurance - from Gulf Coast hurricane exposure to DFW hail risk and TWIA wind coverage.

Free report: flood zone, wind, wildfire and earthquake risk, plus your Insurability Score.

Towns covered: 12
Counties: 5
Median home value: $253K–$513K

What insurers look at

What shapes home insurance in Texas

Two homes a few miles apart can get very different quotes. These are the hazards that drive most of the difference here.

Hail & Wind

Texas leads the nation in hail damage claims. North Texas (DFW), the Texas Panhandle, and Gulf Coast are particularly exposed. Separate wind/hail deductibles (1-5% of dwelling) are standard.

How we assess risk

TWIA Coverage

The Texas Windstorm Insurance Association (TWIA) provides wind and hail coverage for 14 coastal counties and parts of Harris County where private carriers won't write wind peril.

How we assess risk

Gulf Coast Flooding

Coastal Texas faces significant flood risk from hurricanes and tropical storms. After Hurricane Harvey, flood awareness increased dramatically. Many inland areas also face flash flood exposure.

How we assess risk

Towns we cover in Texas

Each town page has local risk data, typical home values and brokers who work there. Any Texas address can still get a full report.

Pins show where each town is. Select a pin or a town to highlight it.

Don’t see your town?

We’re adding Texas towns regularly. Any address in the state can already get a full risk report.

Check an address Request a town

Guides for Texas homeowners

Wildfire · Texas

Wildfire Mitigation: What Carriers Actually Look For

Wildfire mitigation can shift a borderline home into an insurable one — but only if carriers can verify the work. This piece explains the underwriting mechanics behind defensible space, home hardening, and the documentation that makes mitigation legible to a carrier.

Read the guide · 7 min

FloodWhat flood zone am I in?MethodologyHow the Insurability Score works All articlesBrowse every guide on the Underwrite blog

For homeowners

Work with a broker who knows Texas

Wind deductibles, flood policies and older-home inspections are easier with someone local. Compare licensed brokers by town and specialty.

Find a broker in Texas

For insurance professionals

Claim your Texas region

Build a public profile, appear on town pages like these, and connect with homeowners and real estate agents in your market.

Get started How it works

Texas home insurance questions

Does homeowners insurance cover flooding in Texas?

No. Standard homeowners policies exclude flood, including storm surge. Flood coverage is a separate policy from the National Flood Insurance Program or a private flood insurer. Lenders require it for federally backed mortgages on homes in high-risk flood zones.

What is a windstorm or hurricane deductible?

Some policies, especially near the coast, apply a separate deductible to wind or named-storm damage. It is often a percentage of the dwelling coverage rather than a flat amount, so it can be much larger than the all-other-perils deductible. Your declarations page shows which applies.

What if I can’t find standard coverage?

A broker can approach surplus-lines carriers, which write risks standard carriers decline, and your state’s FAIR Plan where one exists, the insurer of last resort for basic property coverage. Coverage and consumer protections can differ from a standard policy, so compare carefully.

Is earthquake covered?

Not by a standard homeowners policy. Earthquake coverage is usually added by endorsement or bought as a separate policy, with its own deductible.

General information, not insurance or legal advice. Coverage depends on the policy and carrier. Risk ratings describe hazards, not whether a loss will happen or whether a home will qualify for coverage.