Get a Kemah or Seabrook Windstorm Quote
Send us your Kemah or Seabrook address and tell us whether the home is on the water. We will confirm which windstorm options apply and compare wind and hail coverage for your home.
Windstorm insurance where Clear Lake meets the bay
Kemah and Seabrook sit on either side of the Clear Lake channel where it opens into Galveston Bay, with waterfront homes, marinas, and the Kemah Boardwalk. Hurricane Ike in 2008 brought devastating storm surge and wind to both communities. Today, strong wind and hail coverage is essential for homes this close to the water.
Two counties, different TWIA rules
Kemah is in Galveston County, which is fully within the Texas Windstorm Insurance Association's service area. Seabrook is in Harris County, where TWIA only covers properties east of Highway 146. Much of Seabrook near the water may qualify, but eligibility depends on the exact address, so we confirm it before quoting.
Waterfront homes, docks, and boathouses
Many homes here have docks, piers, bulkheads, or boathouses. These structures are often excluded or limited on standard policies. Tell us what is on your property so we can explain what is covered and where you may need additional protection.
Elevation, roofs, and certificates
Insurers look closely at elevation, roof age, and construction for waterfront homes. Many homes were rebuilt or repaired after Ike, so make sure that work has a windstorm certificate of compliance. It is generally required for TWIA coverage.
Storm surge requires flood insurance
Windstorm insurance does not cover storm surge or flooding. TWIA requires proof of flood insurance for certain properties in V zones built or substantially changed on or after September 1, 2009. A separate flood policy is strongly recommended for every waterfront home.
Request your Kemah or Seabrook windstorm quote
Use the quote form above with your address and property details. We also serve nearby homeowners in League City, La Porte, and Dickinson. Review TWIA coverage and eligibility requirements.
Learn more about Texas windstorm insurance and how we compare private and TWIA coverage along the coast.
Kemah & Seabrook Windstorm Insurance FAQs
No law requires it, but if you have a mortgage, your lender will require wind and hail coverage. Kemah or Seabrook is in Galveston County (Kemah) and Harris County (Seabrook), and many homeowners policies in the Texas coastal counties exclude wind and hail, so most Kemah or Seabrook homeowners need either a separate windstorm policy or a homeowners policy that includes wind. For waterfront homes on Clear Lake and Galveston Bay, 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. Waterfront homes with direct bay exposure usually cost more to insure than homes set back from the water, and elevation matters. The fastest way to know your cost is a quote. Send us your Kemah or Seabrook address and we will compare private carriers and TWIA. Request a Kemah or Seabrook 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. Kemah, along with the part of Seabrook east of Highway 146, 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. Many homes were repaired or rebuilt after Hurricane Ike, so make sure that work was certified. Buyers, lenders, and some private insurers ask for it too. Search for existing certificates with the TDI windstorm certificate lookup.
Often not, or only in a limited way. Many homeowners and windstorm policies exclude or cap coverage for docks, piers, bulkheads, and boathouses because they are so exposed to wind and water. Some policies offer limited coverage by endorsement. Tell us exactly what is on your property and we will explain your options.