Get an Island or Flour Bluff Quote
Send us your North Padre Island or Flour Bluff address. Tell us if it is a house, townhome or condo, and we will compare private carriers and TWIA.
Windstorm insurance on the island and in Flour Bluff
North Padre Island and Flour Bluff are part of Corpus Christi, in Nueces County, but their insurance needs are different from the rest of the city. North Padre Island sits between the Gulf and the Laguna Madre, with canal homes, beach homes and condos. Flour Bluff lies between Oso Bay and the Laguna Madre on the way to the island. Both areas face the full force of Gulf storms.
Canal homes, beach homes and condos
Island homes often have high replacement costs and sit right on the water, so wind coverage is one of the biggest parts of the cost of owning them. Condo owners usually need an HO-6 policy for their unit, plus wind coverage that works with the association's master policy. Read our guide to condo insurance on the Texas coast.
TWIA and private coverage
Nueces County is in TWIA's coastal service area. Private carriers are more selective close to the Gulf, so many island homes end up comparing a private quote against TWIA. TWIA generally requires a private-market declination, a windstorm certificate where one applies, and a home in good repair. We do the comparison for you.
Flood and storm surge
Many island and Flour Bluff homes are in high-risk flood zones. Windstorm insurance does not cover storm surge or flooding, and TWIA requires flood insurance for some V-zone homes built or changed on or after September 1, 2009. See our flood insurance page.
Request your windstorm quote
Use the quote form above. We also serve the rest of Corpus Christi, Port Aransas and Portland. Review TWIA coverage and eligibility requirements.
Learn more about Texas windstorm insurance, see what windstorm insurance costs, or compare TWIA vs. private windstorm insurance.
North Padre Island & Flour Bluff Windstorm FAQs
No law requires it, but if you have a mortgage, your lender will require wind and hail coverage. North Padre Island and Flour Bluff is in Nueces County, and many homeowners policies in the Texas coastal counties exclude wind and hail, so most North Padre Island and Flour Bluff 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. Homes directly on the Gulf or the canals usually cost more to insure than homes farther inland in Corpus Christi. The fastest way to know your cost is a quote. Send us your North Padre Island address and we will compare private carriers and TWIA. Request a North Padre Island 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. Nueces 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.
Usually yes. The condo association's master policy covers the building, but you need your own HO-6 policy for your unit's interior, your belongings and your liability. Check how the master policy handles wind and what its deductible is, since owners can be assessed a share of it after a storm.