2026 Calculator
Windstorm Insurance Calculator
Estimate your wind coverage costs
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This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
FAQ
What is windstorm insurance?
Windstorm insurance covers damage from wind events including hurricanes, tornadoes, straight-line winds, and severe thunderstorms. In coastal areas like Texas and Florida, it's often a separate policy from homeowners insurance, purchased through state pools like TWIA.
How is windstorm insurance different from hurricane insurance?
You Windstorm covers all wind damage (tornadoes, severe storms, hurricanes), while hurricane insurance specifically covers named tropical storms. In Texas, TWIA provides windstorm coverage for coastal tier counties. Most inland areas include wind in standard homeowners policies.
How much does windstorm insurance cost in Texas (2026)?
Texas coastal windstorm insurance through TWIA costs $1,500-$5,000+ per year depending on tier (Tier 1 coastal pays most), home value, and WPI-8 certificate discounts. Building to windstorm standards can reduce premiums significantly.