Request a Galveston Windstorm Quote
Include your Galveston property address or ZIP and tell us whether it is your primary home, a second home, or a rental. A licensed agent will review available wind and hail options and follow up.
Windstorm protection for Galveston Island homes
Owning a home on Galveston Island means reviewing wind, hail, and flood protection together. Whether you live here year-round, keep a second home, or rent the property to guests, tell us how the home is used so we can explore suitable coverage. We help Galveston homeowners compare available private windstorm options and review TWIA when appropriate.
Private wind and hail coverage or TWIA?
Galveston County is in TWIA’s designated coastal coverage area. The address is only the starting point: TWIA also has eligibility requirements, including evidence that private wind and hail coverage was declined and applicable windstorm certification requirements. We can help you identify the information needed to review available options.
What matters in a Galveston windstorm quote
Look beyond the premium. Review the wind and hail deductible, dwelling limit, roof settlement terms, other structures, and coverage for belongings. Ask how occupancy and rental use affect the policy. Have your current declarations page, roof age, and any windstorm certificate information ready for the agent’s review.
Storm surge and flood need a separate review
A windstorm policy does not cover flood damage. Galveston’s flood protection resources include flood-zone information and storm-surge maps, which can help you understand the different risks at your address. Discuss separate flood insurance and ask how the building and contents would be covered; wind coverage alone does not complete a coastal home’s protection.
Buying, repairing, or renewing on the island
If you are buying a Galveston home or planning roof work, start the insurance review early. Have an agent check applicable certification requirements and coordinate any building-permit questions with the city before work begins. At renewal, revisit rebuilding costs, deductibles, and how you use the property.
Request your Galveston windstorm quote
Use the short form above with the property address or ZIP, your preferred contact details, and your coverage question. We will follow up to review available wind and hail options for your Galveston home.
Helpful resources: TWIA coverage eligibility and Galveston flood protection information.
Learn more about Texas windstorm insurance and how we compare private and TWIA coverage along the coast.
Galveston Windstorm Insurance FAQs
No law requires it, but if you have a mortgage, your lender will require wind and hail coverage. Galveston is in Galveston County, and many homeowners policies in the Texas coastal counties exclude wind and hail, so most Galveston homeowners need either a separate windstorm policy or a homeowners policy that includes wind. On Galveston Island, where hurricanes like Ike in 2008 caused widespread damage, wind coverage is essential. 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. Homes on Galveston Island, especially beachfront and West End properties, face higher wind exposure than homes on the mainland, and a home's elevation can affect which carriers will write it. The fastest way to know your cost is a quote. Send us your Galveston address and we will compare private carriers and TWIA. Request a Galveston 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. Galveston County 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. Buyers, lenders, and some private insurers ask for it too. Search for existing certificates with the TDI windstorm certificate lookup.
No. Storm surge and flooding are not covered by windstorm insurance, and they are a major risk on the island. You need a separate flood policy. TWIA also requires proof of flood insurance for certain properties in V flood zones that were built, altered, remodeled, or enlarged on or after September 1, 2009.