Are You Required to Have Windstorm Insurance in Texas?
Windstorms, hurricanes, and tornadoes are common weather threats in Texas. But is windstorm insurance legally required? The answer depends on where you live and whether you have a mortgage.
Is Windstorm Insurance Required by Law?
Texas law does not require homeowners to carry windstorm insurance statewide. Unlike auto insurance, homeowners insurance — including windstorm coverage — is generally not mandated by state law. However, there are important exceptions tied to lenders and geographic location.
Mortgage Lender Requirements
If you have a mortgage, your lender will almost always require you to carry homeowners' insurance. That policy must typically include coverage for wind-related damage if the property is located in a wind-prone area.
If your standard homeowners policy excludes windstorm coverage — which sometimes happens in coastal counties — your lender may require you to obtain separate wind coverage.
In coastal regions, windstorm policies are often provided through the Texas Windstorm Insurance Association (TWIA) if private insurers will not offer coverage. If you fail to maintain required coverage, your lender may purchase force-placed insurance on your behalf, which is usually more expensive and offers limited protection.
Coastal County Considerations
Windstorm insurance is particularly important in designated coastal counties along the Gulf of Mexico. In these areas:
- Private insurers may exclude wind and hail coverage
- Separate windstorm policies may be required
- Deductibles are often percentage-based
While not mandated by criminal law, coverage may effectively be required to close on or maintain a mortgage in these regions.
What About Inland Texas?
In most inland counties, standard homeowners insurance typically includes wind and tornado coverage. Separate windstorm policies are usually unnecessary unless your insurer specifically excludes that peril.
Conclusion
You are not universally required by Texas law to carry windstorm insurance. However, if you have a mortgage — especially in a coastal county — your lender will likely require it. Reviewing your policy to confirm whether wind damage is included can help you avoid costly coverage gaps before storm season.
