Get a La Marque Windstorm Quote
Send us your La Marque address. We will compare private wind and hail carriers and TWIA for your Galveston County home and follow up.
Windstorm insurance in La Marque
La Marque is on the Galveston County mainland along I-45, between Texas City and Hitchcock and a short drive from Galveston Island. Hurricane Ike in 2008 brought damaging winds across the county, and heavy rain from Hurricane Harvey in 2017 flooded parts of the area. Wind and hail coverage is a must for La Marque homeowners.
A mix of older and newer homes
La Marque has established neighborhoods alongside newer subdivisions. Newer homes with windstorm certificates and newer roofs often have more private options. Older homes may need extra attention to roof age and certificates. We look at your specific home and compare the options that fit it.
TWIA and private coverage
Galveston County is one of TWIA's first-tier coastal counties, so La Marque homes can qualify for TWIA when private wind coverage is not available. We check private carriers first. TWIA generally requires a private-market declination, a windstorm certificate where one applies, and a home in good repair.
Flooding
Windstorm insurance does not cover flooding. Given La Marque's history of heavy-rain flooding, ask us about flood insurance too. Flood policies usually have a 30-day waiting period.
Request your La Marque windstorm quote
Use the quote form above. We also serve Texas City, League City, Dickinson and Galveston. Review TWIA coverage and eligibility requirements.
Learn more about Texas windstorm insurance, see what windstorm insurance costs, or compare TWIA vs. private windstorm insurance.
La Marque Windstorm Insurance FAQs
No law requires it, but if you have a mortgage, your lender will require wind and hail coverage. La Marque is in Galveston County, and many homeowners policies in the Texas coastal counties exclude wind and hail, so most La Marque homeowners need either a separate windstorm policy or a homeowners policy that includes wind. 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. Newer homes with certificates and newer roofs often price better with private carriers than older homes. The fastest way to know your cost is a quote. Send us your La Marque address and we will compare private carriers and TWIA. Request a La Marque 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. Search for existing certificates with the TDI windstorm certificate lookup, or read our WPI-8 certificate guide.
Often, but not always. Mainland homes are farther from the Gulf, which some private carriers reward with lower prices. TWIA does not use territorial rating within its coastal area, so its rates are not based on where in the area your home sits. Comparing both is the only way to know.