Skip to Top Main Navigation Skip to Left Navigation Skip to Content Area Skip to Footer
Texas Department of Insurance
Topics:   A B C D E F G H I J K L M N O P Q R S T U V W X Y Z All

Guidance for FedNat Insurance policyholders who live along the Texas coast


If you live along the Texas coast, you may be able to get windstorm and hail coverage through a private market insurance company or the Texas Windstorm Insurance Association (TWIA).

To be insured through TWIA:

  • You must live in TWIA’s “Designated Catastrophe Area.” View map
  • You must work with your agent to get TWIA coverage.
  • A property normally needs a windstorm certificate of compliance. Residential properties without a certificate can most likely still qualify for TWIA coverage but will need to pay a surcharge. If your commercial property doesn't have a certificate, you should contact TWIA.

    To find a certificate of compliance:

If you have questions about TWIA coverage, visit TWIA’s webpage or call your agent.

TDI has made it easier for FedNat Insurance policyholders to get a TWIA policy:

  • More time to apply: You have until December 26, 2022, to apply for a TWIA policy that gives you coverage starting October 27 (this is the date FedNat policies will be canceled).
  • Coverage even if a storm is on its way: Even if a storm is in the Gulf of Mexico, you can still buy a policy and be covered for wind and hail damage. You must buy the policy by December 26, 2022.

    (Normally, people can’t buy a TWIA policy if a hurricane is coming into the Gulf of Mexico.)

  • No payment to start coverage: TWIA has a special payment plan. This will give you flexibility in paying your premium. You will not need to make a payment for the first three months of coverage. After that, the premium will be due in equal monthly amounts.

    Your agent can help you find out how much you will owe TWIA and set up a payment plan.

    • FedNat Insurance policyholders who use this special payment plan must apply by December 26, 2022.
    • If your coverage begins before October 27:
      • Your first payment will be due 90 days after your coverage begins. You will get a bill before that with the amount due.
      • Example: If your coverage begins on October 1, your payment will be due December 30.
    • If your coverage begins on October 27, your first payment will be due January 25, 2023. You will get a bill before that with the amount due.

Learn more: News, resources, and FAQ for policyholders

For more information, contact:

Last updated: 2/21/2023