Texas Windstorm Insurance Association

TWIA’s Assumption Reinsurance Depopulation Program (Round 10) allows participating insurers to offer alternatives for TWIA policyholders.

TWIA explains the policy moratorium process, which temporarily halts new policies and coverage increases during severe storm risks.

TWIA provides interest-free payment plans for policyholders, with payments made directly to TWIA via online, mail, or agent.

TWIA monitors storm activity and reminds agents about policy moratoriums, which suspend new policies and coverage increases.

TWIA held a second webinar on August 5 for Hurricane Beryl-affected policyholders, offering a recording, presentation, and FAQs.

TWIA hosted a webinar on July 19 for Hurricane Beryl-affected policyholders, providing a recording, presentation, and FAQs for access.

The Texas Windstorm Insurance Association (TWIA) and Texas FAIR Plan Association (TFPA) launched a podcast series for agents, featuring episodes like *Before You Quote! TWIA Agent 101*.

TWIA policyholders and agents affected by Hurricane Beryl were invited to a webinar on July 19, covering the claims process and how to expedite resolutions.

The Texas Windstorm Insurance Association’s Board of Directors met on February 20 to determine the 2024 storm season’s PML and reinsurance needs.

The Texas Windstorm Insurance Association’s Actuarial & Underwriting Committee met on February 13 to discuss the 2024 storm season’s probable maximum loss (PML).

The Texas Windstorm Insurance Association’s Board of Directors set a $6.5 billion PML for the 2024 storm season.

The Texas Legislature established the Texas Windstorm Insurance Association (TWIA) and Texas FAIR Plan Association (TFPA) as residual market insurers for Texas policyholders.

The company offers installment plans for paying policy premiums with no additional cost.

TWIA rates determine the amount of premium charged to each TWIA policyholder. Adequate rates help ensure TWIA can meet its financial obligations. Rates are set by the TWIA Board of Directors and subject to review by the Texas Department of Insurance (TDI).

Texas Insurance Code Chapter 2210 defines the Texas Windstorm Insurance Association’s Board of Directors, requiring members to have insurance or actuarial experience.

TWIA’s 2020 Rate Adequacy Analysis includes a cover letter, presentation, assumptions summary, and rate memorandum for review.

The Texas Windstorm Insurance Association (TWIA) was created in 1971 to offer wind and hail insurance in 14 Texas Gulf Coast counties and part of Harris County.

The Texas Windstorm Insurance Association (TWIA) formed an Agent Advisory Group to support its mission of providing property insurance to eligible Texas policyholders.

State law requires all companies licensed to write property insurance in Texas to be a member of the Texas Windstorm Insurance Association. Their percentage of participation, available for review here, is based on their company's statewide sales and sales within TWIA's territory.

TWIA is assisting policyholders in Brazoria County after weekend storms, directing claims reporting through a dedicated process.

Office closures do not affect the TWIA 24/7 Claims Call Center. The Claims Call Center can be contacted every day of the year at (800) 788-8247, option 1. The TWIA offices are closed for business on the following days in 2026: Thursday, January 1 – New Year’s Day Monday, January 19 – Martin Luther King […]

In 2011, the Texas Legislature created an Ombudsman Program. The Texas Department of Insurance Coastal Outreach and Assistance Services Team (COAST) provides information and educational programs that assist policyholders with the TWIA claims process.

We have introduced our new Policyholder Portal. This portal will be made available to all our policyholders gradually as new policies are issued and existing policies renew. This portal will allow you to view your policy details, make payments, report claims, and manage your claims. Access to the Policyholder Portal is limited at this time […]

TWIA, a not-for-profit insurer, provides windstorm and hail coverage to high-risk property owners in Texas.

The company describes its policy for collecting, using, and securing nonpublic personal financial information.

TWIA outlines its information disclosure practices for policyholders and agents on its Privacy Policy page.

This page outlines the terms and conditions for using Texas Windstorm Insurance Association (TWIA) and Texas FAIR Plan Association (TFPA) systems and websites.

The Texas Windstorm Insurance Association (TWIA) Board of Directors reviews preliminary details for the 2027 budget during an October meeting. The board also finalizes legislative recommendations to include in its Biennial Report to the Texas Legislature.

Oct 2026IIATNews article

The **Texas Windstorm Insurance Association (TWIA)** projects a **$2.05 billion** reinsurance and catastrophe bond requirement for 2027, down roughly **10%** from 2026 due to its growing **Catastrophe Reserve Trust Fund**. Mid-year 2026 renewals secured **$2.28 billion** in risk transfer, including **$1.05 billion** from catastrophe bonds. TWIA also proposes an **18% budget reduction** for the upcoming period.

Oct 2026Artemis.bm - The Catastrophe Bond, Insurance Linked Securities & Investment, Reinsurance Capital, Alternative Risk Transfer and Weather Risk Management siteNews article

The Texas Windstorm Insurance Association (TWIA) rejects a proposal to stop issuing insurance policies for secondary homes. Opponents warn the change would harm coastal tourism, industry, and renters dependent on short- and long-term rentals. The decision follows a 2-1 vote by the Legislative & External Affairs Committee.

Sep 2026BaytownSun.comNews article

The Texas Windstorm Insurance Association (TWIA) rejects a proposal to remove windstorm coverage from **53,620 non-owner-occupied coastal properties**, including vacation homes. The plan, which would have excluded secondary residences from state-backed policies, fails after opposition from local officials and residents. The decision preserves insurance protections for a segment of Texas’s coastal housing market, including areas like Galveston.

Sep 2026HoodlineNews article