TWIA Is the Coastal Windstorm Backstop in Galveston County

Coastal insurance often comes in pieces. TWIA can cover wind and hail when at least one private insurer has declined that coverage. It does not replace a regular homeowners policy, and it does not cover flooding.

Galveston County is in TWIA's designated coastal area. The property must meet TWIA's condition rules and, with limited exceptions, have a windstorm certificate such as a WPI-8, WPI-8-E, or WPI-8-C. An agent submits the application; TWIA does not sell directly to homeowners.

Flood insurance is also required for some TWIA properties. All three tests must apply: some part of the property is in a V-family flood zone, NFIP coverage is available, and the structure was built or enlarged after September 1, 2009. Ask an agent to check the address and the current rules before treating a quote as complete.