Property Insurance on the Texas Coast
The Texas Office of Public Insurance Counsel created a flood insurance guide to provide insurance consumers along the coast with a resource to arm them with the knowledge to make informed decisions regarding their coverage. Download the Homeowners Storm Guide
On the Texas coast, you’ll have two additional policies in addition to your home insurance, usually a TWIA policy for windstorms and a FEMA policy for flood insurance.
TEXAS HOMEOWNERS AND WINDSTORM INSURANCE
HOMEOWNERS INSURANCE AND THE TEXAS COAST What You Need to Know.
Homeowners’ coverage can be a complicated issue for most Texas residents, and it can be particularly complex if you live on the Texas coast. This brochure provides an overview of the diverse types of coverage you may need to protect your coastal property.
WINDSTORM INSURANCE IN TEXAS What Has Changed?
As a result of recent legislation, the Texas Department of Insurance (TDI) has adopted emergency rules that amend the Texas Windstorm Insurance Association (TWIA) Plan of Operation and affect coastal consumers ability to obtain and maintain coverage through TWIA. Download TWIA overview
NATIONAL FLOOD INSURANCE
Federal Emergency Management Agency (FEMA)
Find out how to protect Your Property, Home, or Business from Disasters such as hurricanes and floods.
FEMA for Homeowners and Renters prepare the nation for all hazards and effectively manage federal response and recovery efforts following any national incident for Homeowners and Renters
- sea level rise map
The Coastal Barrier Resources Act (CBRA) of 1982 established the John H. Chafee Coastal Barrier Resources System (CBRS), comprised of undeveloped coastal barriers along the Atlantic, Gulf, and Great Lakes.
Only congress has the authority to modify boundaries of the Coastal Barrier Resources System (CBRS) through legislation. If you buy property in a CBRA area on the Texas coast, you cannot get FEMA flood insurance. Mustang Island, North Padre and the Bolivar Peninsula have a few CBRA areas that people build property on, see the maps below if you’re unsure.