Texas Windstorm Insurance Association (TWIA) is a trusted provider of wind and hail insurance in Austin, TX. With a proud history of serving Texas since 1971, TWIA offers essential property insurance to 14 Texas gulf coast counties and a portion of Harris county. As a residual insurer of last resort, TWIA ensures access to coverage for properties that have been denied by other insurance carriers.

TWIA is guided by the Texas Insurance Code Chapter 2210 and operates as a vital part of the Texas coast by providing comprehensive coverage to protect homeowners from the risks of wind and hail damage. To obtain TWIA coverage, property owners must meet certain requirements, including adherence to windstorm building codes, location eligibility, and denial of coverage from authorized insurers in the designated area. TWIA does not sell policies directly to consumers, but works with registered insurance agents who assist in policy management, premium payments, and understanding coverage details.

With TWIA, homeowners can have peace of mind knowing their properties are protected against the unpredictable forces of nature