Texas Homeowners Insurance

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

Regions
4
Median Home
$253K$513K
Counties
4

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.

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.

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.

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