Texas Windstorm Insurance Association (TWIA)

The Texas Windstorm Insurance Association (TWIA) is a state-created insurer that provides coverage for damage caused by hurricanes, windstorms, and related events along Texas's Gulf Coast. It offers a secondary option for property owners who cannot obtain affordable or available protection from private insurers in high-risk coastal areas. Funded through policyholder premiums, assessments, and some state backing, TWIA manages claims and aims to ensure policyholders receive prompt support after storms, helping communities recover from severe wind-related damages.