Get a San Leon Windstorm Quote
Send us your San Leon or Bacliff address and tell us how close the home is to the bay. We will compare wind and hail options for your Galveston County property and follow up.
Windstorm insurance in San Leon and Bacliff
San Leon and Bacliff are unincorporated bayfront communities on the west side of Galveston Bay. When Hurricane Ike struck in 2008, the National Weather Service estimated storm surge of 10 to 15 feet on the west side of the bay. A windstorm policy helps pay to repair wind and hail damage when your homeowners policy does not.
Living close to the bay
Homes near the water can face fewer private options than homes farther inland. Elevation, construction, and roof age all matter, so tell us about the home and any recent work. If you are buying, ask about windstorm coverage early so it does not hold up your closing.
TWIA and private coverage
Galveston County is one of TWIA's first-tier coastal counties, so San Leon and Bacliff 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 storm surge or flooding, which is a major risk along the bay. Ask us about flood insurance too. Flood policies usually have a 30-day waiting period.
Request your San Leon windstorm quote
Use the quote form above. We also serve Kemah and Seabrook, Dickinson, Texas City and League City. Review TWIA coverage and eligibility requirements.
Learn more about Texas windstorm insurance, see what windstorm insurance costs, or compare TWIA vs. private windstorm insurance.
San Leon & Bacliff Windstorm Insurance FAQs
No law requires it, but if you have a mortgage, your lender will require wind and hail coverage. San Leon and Bacliff are in Galveston County, and many homeowners policies in the Texas coastal counties exclude wind and hail, so most homeowners here 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 address and we will compare private carriers and TWIA. Request a San Leon 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. 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.
No. Windstorm insurance covers wind and hail damage, but rising water and storm surge need a separate flood policy. For homes near Galveston Bay, it is worth reviewing both policies together.