Request a Friendswood Windstorm Quote
For a Friendswood home in Galveston County, include the property address or ZIP and your coverage question. We will verify the location and review available wind and hail options.
Windstorm options for Friendswood’s Galveston County homes
Friendswood extends into Galveston and Harris counties. This page focuses on the Galveston County portion, as requested for our coastal service area. A Friendswood mailing address alone does not establish TWIA eligibility. Provide the actual property address so we can review the location, available private wind and hail coverage, and TWIA when appropriate.
Why the county boundary matters
Galveston County is within TWIA’s designated coastal coverage area. Harris County has a narrower designated area east of Highway 146; being in the Harris County portion of Friendswood does not establish coastal eligibility. For an eligible Galveston County home, TWIA still has other requirements, including a private-market declination and applicable windstorm certification.
Inland homes still need a storm review
Friendswood’s flood resources describe risks from its creeks and tributaries, as well as storm surge from Galveston Bay. Windstorm insurance and flood insurance address different losses. Ask about separate flood coverage for the building and contents even when the home is not directly on the coast.
Compare the details of your wind quote
Review the wind and hail deductible, roof settlement terms, dwelling limit, and coverage for other structures. If wind is excluded from your homeowners policy, make sure the separate coverage fits with it. Have the declarations page, roof age, renewal date, and any windstorm certificate ready for the review.
Planning improvements or buying a home?
Check documentation before closing or starting roof work. Applicable inspection and certification requirements may affect the coverage available. An agent can explain which information is needed while the city or construction professional addresses permits and project requirements.
Request a Friendswood windstorm quote
Use the short form above for your Galveston County property. Include the address or ZIP and whether you are buying, renewing, or seeking another wind and hail option. We will follow up to discuss the available choices.
Helpful resources: TWIA coverage eligibility and Friendswood flood-risk information.
Learn more about Texas windstorm insurance and how we compare private and TWIA coverage along the coast.
Friendswood Windstorm Insurance FAQs
No law requires it, but if you have a mortgage, your lender will require wind and hail coverage. Friendswood is in Galveston and Harris counties, and many homeowners policies in the Texas coastal counties exclude wind and hail, so most Friendswood homeowners need either a separate windstorm policy or a homeowners policy that includes wind. Your options depend on which part of the city your home is in. Without it, a hurricane or hailstorm could leave you paying for roof and structural damage yourself.
There is no single price. Your premium depends on your home's exact location, age and construction, roof type and age, coverage amount, and deductible. In Friendswood, which county your home sits in also matters, because it affects which windstorm options are available. The fastest way to know your cost is a quote. Send us your Friendswood address and we will compare private carriers and TWIA. Request a Friendswood windstorm quote.
A WPI-8 is a windstorm certificate of compliance from the Texas Department of Insurance, not a city permit, and it matters most for insurance. The Galveston County part of Friendswood is in TWIA's coastal area, so a home built, added on to, or repaired (including re-roofed) since January 1, 1988 generally needs a WPI-8, WPI-8-E, or WPI-8-C to qualify for TWIA coverage. Homes in the Harris County part of Friendswood are generally outside TWIA's area, where private coverage is the main option. Buyers, lenders, and some private insurers ask for it too. Search for existing certificates with the TDI windstorm certificate lookup.
It depends on the address. Friendswood is split between Galveston County and Harris County. Galveston County is fully within TWIA's coastal area, but TWIA only covers the part of Harris County east of Highway 146, which does not include Friendswood. Send us your address and we will confirm which options apply.