Get a Matagorda Windstorm Quote
Tell us your Matagorda address and whether the home is on the river, near the beach, or in town. We will compare wind and hail options and follow up.
Windstorm insurance at the mouth of the Colorado River
Matagorda is one of the oldest towns in Texas, sitting where the Colorado River meets the Gulf, with Matagorda Beach, the Intracoastal Waterway, and some of the best fishing on the coast nearby. That location also puts it directly in the path of Gulf storms. Hurricane Beryl made landfall near Matagorda in July 2024, and properties here face some of the highest wind exposure in Matagorda County.
TWIA is often the primary option
All of Matagorda County is within the Texas Windstorm Insurance Association's coastal service area. For many homes near the water, TWIA is the main source of wind and hail coverage. You generally need a declination from a private insurer, a windstorm certificate of compliance for construction that needs one, and a home in good repair. We still check private carriers for every property.
River homes, fishing cabins, and weekend houses
Many Matagorda homes are elevated fishing cabins and weekend houses along the river and canals. Seasonal homes and rentals are rated differently than primary residences, and long vacant periods can affect coverage. Tell us how often the home is used so we can recommend the right policy.
Elevation and certificates
Insurers look closely at elevation, pilings, roof type, and windstorm certificates here. If your home was built, added on to, or re-roofed since 1988, including repairs after Beryl, keep your WPI-8 paperwork handy. Our WPI-8 certificate guide explains how to find or get one.
Storm surge and flood insurance
Storm surge and river flooding are major risks in Matagorda, and windstorm insurance does not cover rising water. TWIA requires proof of flood insurance for certain V zone properties built or substantially changed on or after September 1, 2009. A separate flood policy is strongly recommended.
Request your Matagorda windstorm quote
Use the quote form above with your property details. We also serve nearby homeowners in Bay City and Sargent. Review TWIA coverage and eligibility requirements.
Learn more about Texas windstorm insurance and how we compare private and TWIA coverage along the coast.
Matagorda Windstorm Insurance FAQs
No law requires it, but if you have a mortgage, your lender will require wind and hail coverage. Matagorda is in Matagorda County, and many homeowners policies in the Texas coastal counties exclude wind and hail, so most Matagorda homeowners need either a separate windstorm policy or a homeowners policy that includes wind. With Hurricane Beryl's 2024 landfall nearby, wind coverage is essential here. 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. River and beach homes generally have more exposure than homes in town, and elevation and construction type matter a lot. The fastest way to know your cost is a quote. Send us your Matagorda address and we will compare private carriers and TWIA. Request a Matagorda 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. Matagorda 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. Many homes were repaired or re-roofed after Hurricane Beryl, so make sure that work was certified. Search for existing certificates with the TDI windstorm certificate lookup, or read our WPI-8 certificate guide.
Yes. Fishing cabins and weekend homes can be insured for wind and hail through private carriers or TWIA. They are rated differently than primary residences, and some policies limit coverage when a home sits vacant for long periods. Rentals may need a dwelling or landlord policy. Tell us how you use the home so we can quote the right coverage.