The short answer
According to the Texas Windstorm Insurance Association (TWIA), the average premium on a TWIA residential policy is approximately $2,541 per year (as of June 30, 2026). Your cost may be higher or lower depending mainly on how much coverage you need, how your home is built, and the deductible you choose. Private windstorm carriers price differently, and for some homes they cost less.
Real quotes from our private carriers
Here are sample annual quotes we recently received from the private insurance carriers we represent for homes along the Texas coast. Each quote is a single private policy that includes hazard (fire, theft, and other covered losses), wind, hail, and hurricane coverage. Flood insurance is not included. Deductibles are shown as a percentage of dwelling coverage.
| Location | Home size | Year built | Deductibles (wind/hail · hazard) | Annual premium | Per sq ft |
|---|---|---|---|---|---|
| Galveston, TX | 2,864 sq ft | 2008 | 2% · 1% | $4,322 | $1.51 |
| Rockport, TX | 3,655 sq ft | 2015 | 2% · 1% | $3,940 | $1.08 |
| Port O'Connor, TX | 2,021 sq ft | 2025 | 2% · 1% | $2,726 | $1.35 |
| Kemah, TX | 4,908 sq ft | 1998 | 3% · 1% | $7,469 | $1.52 |
| Corpus Christi, TX | 1,750 sq ft | 1984 | 2% · 1% | $3,970 | $2.27 |
| Lake Jackson, TX | 1,920 sq ft | 1973 | 2% · 1% | $3,354 | $1.75 |
These quotes range from $2,726 to $7,469 a year, or roughly $1.08 to $2.27 per square foot. A few things stand out:
- Older homes cost more per square foot. The 1984 Corpus Christi home ($2.27 per sq ft) and the 1973 Lake Jackson home ($1.75 per sq ft) cost the most for their size, while the 2015 Rockport home cost the least ($1.08 per sq ft).
- Newer homes often cost less overall. The 2025-built Port O'Connor home had the lowest premium of the group.
- Size matters. Larger homes cost more to rebuild. The largest home, in Kemah, had the highest premium, even with a higher 3% wind and hail deductible.
- Deductibles change the price. These premiums can be lower with a higher deductible.
For comparison, TWIA's average residential premium of about $2,541 covers wind and hail only, so a TWIA policy is usually paired with a separate homeowners policy for everything else. A private policy that combines both can be a better value for some homes. Your own price depends on your home, coverage amount, and deductible, so these quotes are examples, not a guarantee. Request a quote to see what your home would cost.
Are TWIA rates going up?
Not right now. TWIA did not raise rates for 2026 policies, and on August 4, 2026, the TWIA Board of Directors voted unanimously to file a 0% rate change for 2027 policies with the Texas Department of Insurance. TWIA's 2026 rate adequacy analysis found residential rates adequate by 9%, helped by recent legislation that lowered its reinsurance costs.
That has not always been the case. TWIA raised rates 5% in 2015, 2016, 2018, and 2022. A proposed 10% increase for 2025 was disapproved by the Texas Insurance Commissioner. You can review the full history on the TWIA rates page.
What affects the cost of windstorm insurance?
- Coverage amount. The more it would cost to rebuild your home, the higher your premium. This is usually the biggest factor.
- Construction. The type of construction affects your rate, and TWIA offers premium credits for homes certified as built to recent windstorm building codes.
- Deductible. Choosing a higher wind and hail deductible lowers your premium but increases what you pay after a storm.
- Optional coverages. Adding endorsements or extra coverage increases the premium.
- Location and roof (private carriers). TWIA does not use credit scoring or territorial rating, but private insurers set their own rules and may price based on your exact location, distance from the water, roof age, claims history, and other factors.
How your deductible changes what you really pay
Coastal wind and hail deductibles are often a percentage of your dwelling coverage. On a home insured for $300,000, a 1% deductible means you pay the first $3,000 of a covered claim, a 2% deductible means $6,000, and a 5% deductible means $15,000. When comparing prices, look at the premium and the deductible together. Read more in our guide to hurricane and windstorm deductibles.
Is private windstorm insurance cheaper than TWIA?
Sometimes. Private carriers may offer competitive pricing for newer homes, homes with newer roofs, and homes farther from the water, and some include wind in a full homeowners policy. TWIA is designed for homes that cannot get wind and hail coverage privately, so you generally need a declination from a private insurer to qualify. Because both change often, the best approach is to compare both every year.
The total cost of protecting a coastal home
Windstorm insurance is only one part of the picture. Most coastal homeowners also need a homeowners policy for fire, theft, and liability, and a separate flood policy for storm surge and rising water. Learn how these fit together on our coastal Texas home and windstorm insurance page.
How to lower your windstorm insurance cost
- Keep your windstorm certificates. Make sure your home and any roof replacement have a WPI-8 certificate. It is generally required for TWIA and supports code-based credits.
- Strengthen your home. An impact-resistant roof, storm shutters, and reinforced garage doors can qualify for credits or discounts with some insurers.
- Choose your deductible wisely. A higher deductible lowers the premium if you can afford it after a storm.
- Insure to the right value. Make sure your coverage matches your actual rebuilding cost, not too high or too low.
- Bundle when it makes sense. Some carriers offer savings when home and wind coverage are combined.
- Shop every year. Private carrier pricing changes often, so compare at each renewal.
We represent multiple insurance companies and compare them with TWIA to find the best price for your home. Learn more about Texas windstorm insurance, or find your city in our coastal city directory.
Get Your Windstorm Insurance Price
The only way to know your exact cost is a quote. Send us your property address and we will compare private wind and hail carriers and TWIA for your home.
Windstorm Insurance Cost FAQs
According to TWIA, the average premium on a TWIA residential policy is approximately $2,541 per year (as of June 30, 2026). Your premium depends mainly on your coverage amount, construction, deductible, and any optional coverages.
No increase is planned. On August 4, 2026, the TWIA Board of Directors voted unanimously to file a 0% rate change for 2027 policies with the Texas Department of Insurance. TWIA also did not raise rates for 2026 policies.
It can be, especially for newer homes, homes with newer roofs, and homes farther from the water. But it depends on the home and the carrier, and private pricing changes often. We compare private carriers and TWIA side by side so you can see which costs less for your home.
Homes on the Texas coast face a high risk of hurricane and hail damage, and insurers must be able to pay claims after a major storm that damages many homes at once. Rebuilding costs and reinsurance costs also play a role. Mitigation features and windstorm certificates can help lower your price.
Yes. A higher wind and hail deductible lowers your premium, but you pay more out of pocket after a storm. On a $300,000 home, a 2% deductible is $6,000 and a 5% deductible is $15,000. Choose an amount you could comfortably pay, and check whether your lender limits your deductible.
With TWIA, not because of location: TWIA does not use territorial rating, so its rates are not based on where in the coastal area your home sits. Private carriers set their own rules and may charge more, or decline coverage, for homes closest to the water. That is one reason comparing both is important.
In recent sample quotes from the private carriers we represent, single policies covering hazard, wind, hail, and hurricane (flood not included) ranged from $2,726 to $7,469 a year. With a 2% wind and hail deductible and a 1% hazard deductible, a 2,021 sq ft home built in 2025 in Port O'Connor was quoted at $2,726, a 1,920 sq ft 1973 home in Lake Jackson at $3,354, a 3,655 sq ft 2015 home in Rockport at $3,940, a 1,750 sq ft 1984 home in Corpus Christi at $3,970, and a 2,864 sq ft 2008 home in Galveston at $4,322. A 4,908 sq ft 1998 home in Kemah with a 3% wind and hail deductible was quoted at $7,469. Premiums can be lower with a higher deductible.