Texas Windstorm Insurance Association

Don’t wait until a storm to find out how your insurance works.

Understand your deductible before a storm hits. Your deductible may be higher than you expect. Deductibles are based on coverage limits - NOT the cost to repair covered damage.

Example: If your home is insured for $350,000 and your windstorm deductible is 2%, this means you’re responsible for $7,000 of the repair cost before TWIA can pay on your claim.

Contact your agent today to review your deductible, or if you are in the Galveston area on July 18, bring your deductible questions to TWIA at our Coastal Preparedness Expo. Find more info at twia.org/expo.

💼 Meeting Alert 💼

TWIA Board to Meet in Austin on May 19

TWIA's Board of Directors will meet at the Hyatt Regency Hotel in Austin on Tuesday, May 19, at 9:00 a.m. CT. The Board will receive routine operational updates, an update on reinsurance and catastrophe funding for the 2026 storm season, and other business of the association. The Board will not consider any action on rates at this meeting. To learn more about this meeting, see the agenda, and find out how to register to attend, follow this link: https://www.twia.org/twia-board-to-meet-in-austin-on-may-19/

All meetings of the TWIA Board of Directors are open to the public. Members of the public are invited to provide public comments in person at the Hyatt Regency Hotel, virtually via Zoom: https://us06web.zoom.us/webinar/register/WN_SDLw93OnTYmvbOGj-8rw5A, or by submitting written comments via email at [email protected]. Interested parties are encouraged to submit comments by noon on Friday, May 15, to enable the Board to receive and review them before the May 19 meeting. All written comments will be provided to the Board regardless of when they are received.

The meeting will also be livestreamed on YouTube: https://youtube.com/live/lTVS_At-Udk

Are you ready for hurricane season? Take action TODAY to be better prepared for when the worst happens. Understand your risk from hurricanes, and begin pre-season preparations now. Make sure you understand how to interpret forecasts and alerts, and know what to do before, during, and after a storm. Even if you feel ready, there may be additional things you could do or learn.
www.noaa.gov/take-action-today

A key part of hurricane preparedness is understanding the dangers that remain well after a storm. This is NOT the time to put your guard down. Nearly half of hurricane fatalities occur after the storm.
www.noaa.gov/use-caution-after-storms

Be prepared for hurricane season by knowing what to do during a storm. Whether you’ve evacuated or are sheltering in place, know what to expect from the hazards you may face. Remain vigilant, stay up-to-date with the latest forecasts and alerts, and continue to listen to local officials.
www.noaa.gov/stay-protected-during-storms

Do you know what to do when a storm threatens? Prepare for hurricane season by taking the time now to understand the actions needed when time is of the essence.
www.noaa.gov/get-moving-when-storm-threatens

Prepare for hurricane season by knowing how to understand forecasts. They can tell you a lot about what is expected, including the storm’s paths, rainfall amounts, wind speeds, and more. There is a lot of information available days ahead of a storm, and it is important to understand what it means. www.noaa.gov/understand-forecast-information

The best time to prepare for hurricanes is BEFORE hurricane season begins. Avoid having to rush through potentially life-saving preparations by waiting until it’s too late. Get your disaster supplies while the shelves are still stocked, and get that insurance checkup early, as flood insurance requires a 30-day waiting period. www.noaa.gov/prepare-before-hurricane-season

Today marks the first day of Hurricane Preparedness Week, and we’re sharing tips every day this week from our friends at NOAA on how to stay prepared.

The first step of preparing for hurricanes is to know your risk. Find out today what types of water and wind hazards could happen where you live. Hurricanes are not just a coastal problem. Impacts from wind and water can be felt hundreds of miles inland, and significant impacts can occur regardless of the storm’s strength. Know if you live in an area prone to flooding, if you live in an evacuation zone, and identify any structural weaknesses in your home. https://www.noaa.gov/know-your-risk-water-wind

💼 Meeting Alert 💼

Public Invited to Comment as TWIA Board Meets in Galveston on 2026 Storm Season Funding

TWIA's Board of Directors will meet at the Moody Gardens Hotel in Galveston on Tuesday, February 24, at 9:00 a.m. CT. The Board is expected to determine the Association’s 1:50 probable maximum loss (PML) and reinsurance needs for the 2026 storm season. To learn more about this meeting, see the agenda, and find out how to register to attend, follow this link: https://bit.ly/3MdxZX3.

All meetings of the TWIA Board of Directors are open to the public. Members of the public are invited to provide public comment in person at the Moody Gardens Hotel, virtually via Zoom: https://bit.ly/465y8Cw, or by submitting written comments via email at [email protected]. Interested parties are encouraged to submit comments by noon on Friday, February 20, to enable the Board to receive and review them before the February 24 meeting. All written comments will be provided to the Board regardless of when they are received.

The meeting will also be livestreamed on YouTube: https://youtube.com/live/N1x1UpzIqpg