TWIA Coverage & Eligibility
TWIA continues to operate under its present charter, providing wind and hail coverage to the catastrophe-designated areas of Texas.
TWIA's territory includes the following 14 counties along the Texas Gulf Coast and part of Harris County:
- Aransas County
- Brazoria County
- Calhoun County
- Cameron County
- Chambers County
- Galveston County
- Harris* (partial)
- Jefferson County
- Kenedy County
- Kleberg County
- Matagorda County
- Nueces County
- Refugio County
- San Patricio County
- Willacy County
*When located inside city limits and east of Highway 146, the following portions of Harris County are also included:
- LaPorte
- Morgan's Point
- Pasadena
- Seabrook
- Shore Acres
Property Covered by TWIA
- Residential: Dwellings, personal property, manufactured (mobile) homes.
- Commercial: Commercial buildings, business personal property, townhouses and condominiums.
- Miscellaneous Items: Including but not limited to signs, fences, swimming pools and flagpoles.
Mobile Home
1% (with $250 minimum)
For property located:
1- Inland of the intracoastal waterway or 2- Seaward of the intracoastal waterway and protected by an approved seawall.
2% (with $250 minimum)
For property located seaward of the intracoastal waterway and not protected by an approved seawall.
Flood Insurance
Chances are, if you live in a flood plain, you should, and may even be required, to have Flood insurance as part of your Homeowners policy. As part of the National Flood Insurance Program, you are able to purchase protection, against flood damages, in most areas. Depending on where you live you may qualify for flood insurance through the National Flood Insurance Program (NFIP). Flood insurance covers direct physical damage to the main home and its foundation and erosion damage. It does not cover structures extended over water and structures other than buildings such as pools and gazebos.