Get a Mid-County Windstorm Quote
Tell us your address in Nederland, Port Neches or Groves. We will compare private wind and hail carriers and TWIA for your Jefferson County home.
Windstorm insurance for Mid-County
Nederland, Port Neches and Groves sit side by side in Mid-County, between Beaumont and Port Arthur in Jefferson County. Port Neches lines the Neches River, and all three communities have felt the effects of major storms, from Hurricane Rita in 2005 and Hurricane Ike in 2008 to Hurricane Laura's winds in 2020. Strong wind is a real risk here even miles from the beach.
Established neighborhoods and older roofs
Much of Mid-County is made up of established neighborhoods with homes built decades ago. Roof age and condition matter a great deal to insurers. Some carriers pay older roofs at actual cash value instead of replacement cost, which can leave a big gap after a storm. We explain how your roof affects your coverage and price before you buy.
TWIA and private coverage
Jefferson County is one of TWIA's first-tier coastal counties, so Mid-County homes can qualify for TWIA when private wind coverage is not available. We shop private carriers first. TWIA generally requires a private-market declination, a windstorm certificate of compliance for construction that needs one, and a home in good repair.
Do not forget flood
Heavy rain from storms like Harvey in 2017 and Imelda in 2019 flooded parts of Jefferson County. Windstorm insurance does not cover flooding, so a separate flood insurance policy is worth considering. Flood policies usually take 30 days to start.
Request your Mid-County windstorm quote
Use the quote form above. We also serve homeowners in Beaumont and Port Arthur. Review TWIA coverage and eligibility requirements.
Learn more about Texas windstorm insurance, see what windstorm insurance costs, or compare TWIA vs. private windstorm insurance.
Nederland, Port Neches & Groves Windstorm FAQs
No law requires it, but if you have a mortgage, your lender will require wind and hail coverage. Nederland, Port Neches and Groves is in Jefferson County, and many homeowners policies in the Texas coastal counties exclude wind and hail, so most Nederland, Port Neches and Groves 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. Roof age and condition are big factors for the many established homes in Nederland, Port Neches and Groves. The fastest way to know your cost is a quote. Send us your Mid-County address and we will compare private carriers and TWIA. Request a Mid-County 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. Jefferson 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.
The basics are the same in all three cities. All of Jefferson County is in TWIA's coastal area, and private carriers price each home on its own location, age, roof and construction. Two homes a few streets apart can still get different quotes, which is why comparing several carriers matters.