When Hurricane Celia struck the Texas coast on August 3, 1970, many insurance companies ceased writing business in this region. To protect consumers, the state of Texas stepped in and in 1971 created the Texas Catastrophe Property Insurance Association (now called the Texas Windstorm Insurance Association).

Texas Windstorm Insurance Association (TWIA) is a ‘pool’ of all property and casualty (P&C) insurance companies authorized to write coverage in Texas. TWIA provides basic wind and hail insurance coverage for Gulf Coast property owners who might otherwise be left uninsured. Because TWIA is the provider of last resort, we do not try to expand our customer base or actively compete against private insurance providers.

InsureMe Texas is able to provide windstorm coverage to coastal communities through TWIA. In some counties, the only windstorm coverage available is a TWIA policy.