General Info

If you live or work in an area generally east of Highway 77 in the Coastal Bend area of Texas, you are likely in a designated "Windstorm Zone". What does that mean? The Texas Insurance Code authorizes the Texas Windstorm Insurance Association (TWIA) to provide hail and windstorm insurance in this area, and you are designated by your location as either Seaward (of the Intercoastal Waterway), Inland I (adjoining the coast) and Inland II (inland from the coast but still in a highly windstorm prone area). The Texas Department of Insurance (TDI) requires that any structure built or modified in this area be built under certain building codes and/or have your structure designed by a windstorm engineer, and be inspected and certified by a qualified inspector per the TDI guidelines.