Get a Palacios Windstorm Quote
Send us your Palacios address and tell us whether the home is on or near the bay, and whether it is a primary home, a second home, or a rental. We will compare wind and hail options for your Matagorda County property and follow up.
Windstorm insurance in Palacios
Palacios sits on Tres Palacios Bay, an arm of Matagorda Bay, so homes here are close to open water and exposed when storms move up the middle Texas coast. Hurricane Carla came ashore on Matagorda Island in 1961 and caused severe damage in town, destroying many historic structures. Hurricane Beryl made landfall on the Matagorda County coast in 2024. A windstorm policy helps pay to repair wind and hail damage when your homeowners policy does not.
Bayfront homes and older properties
Palacios has older in-town homes as well as houses close to the bay. Distance from the water, roof age, and construction can all change which private carriers will offer coverage and what they charge. Tell us about your roof and any recent work so we can compare the right options.
TWIA and private coverage
Matagorda County is one of TWIA's first-tier coastal counties, so Palacios 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 and storm surge
Windstorm insurance does not cover flooding or storm surge. On a bay, that gap matters. Ask us about flood insurance too, and remember that flood policies usually have a 30-day waiting period.
Request your Palacios windstorm quote
Use the quote form above. We also serve Bay City, Matagorda, Sargent and Port Lavaca. Review TWIA coverage and eligibility requirements.
Learn more about Texas windstorm insurance, see what windstorm insurance costs, or compare TWIA vs. private windstorm insurance.
Palacios Windstorm Insurance FAQs
No law requires it, but if you have a mortgage, your lender will require wind and hail coverage. Palacios is in Matagorda County, and many homeowners policies in the Texas coastal counties exclude wind and hail, so most Palacios 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. The fastest way to know your cost is a quote. Send us your Palacios address and we will compare private carriers and TWIA. Request a Palacios windstorm quote.
See what drives your price in our Texas windstorm insurance cost guide.
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. Search for existing certificates with the TDI windstorm certificate lookup, or read our WPI-8 certificate guide.
No. Windstorm insurance covers wind and hail damage, but rising water and storm surge need a separate flood policy. For homes near Tres Palacios Bay, it is worth reviewing both policies together.