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Texas Hurricane Insurance
Hurricane season begins June 1 and runs through November 30 each year, bringing the potential for damaging winds, heavy rainfall, storm surge, and flooding across Texas. For homeowners, preparing for hurricane season means more than protecting your property—it also means making sure you have the right insurance coverage in place before a storm develops.
What is Hurricane Insurance?
Texas hurricane insurance isn’t a single policy. Depending on your location and existing homeowners coverage, protecting your home from hurricane-related damage may require a combination of homeowners insurance, windstorm coverage, and flood insurance. Because insurers may restrict new policies or coverage changes when a named storm approaches, it’s important to review your coverage well before severe weather is in the forecast.
Flood Insurance: Flood coverage is not included in your homeowners insurance policy; therefore, for full protection against floods caused by long periods of rain, heavy rain, storm surges, blocked storm drainage systems, or levee dam failures, you’ll need a flood insurance policy.
Windstorm Insurance: Windstorm insurance covers direct damages to your home and property caused by wind and/or hail. The coverage includes damages from windstorms such as hurricanes, tropical storms, tornados, thunderstorms, and other natural disasters. Some private insurers offer wind and hail coverage, but for those who have been denied coverage from them, homeowners can turn to Texas Windstorm Insurance Association (TWIA). Be sure to check your home insurance policy to ensure you’re fully covered against the harsh winds hurricanes can produce.
How Much Is Hurricane Insurance in Texas?
The average cost of full hurricane insurance coverage in Texas is about $2,214 per year among TGS Insurance customers; this average includes homeowners insurance, flood insurance, and windstorm coverage written at a 2% deductible. On average, TGS Insurance customers save $2,118 per year compared to the state’s average rates for complete hurricane protection. The cost will vary depending on many factors, including your home’s location and hurricane risk, your home’s value, and the deductible amount you select. Here is a breakdown of the average amount in Texas for TGS Insurance customers compared to the statewide averages (when wind coverage is purchased through TWIA) for each component of Hurricane Insurance:
| Texas Average (Annual Premium) | TGS Insurance- Texas Average (Annual Premium) |
|
|---|---|---|
| Avg. Home Insurance | $1,982 | $1,722 |
| Avg. Windstorm/Hail Insurance | $1,650 | - (Included, 2% deductible) |
| Avg. Flood Insurance | $700 | $492 |
| Total | $4,332 | $2,214 |
Purchasing Hurricane Insurance Coverage in Texas
TGS Insurance Agency has been helping Texans get the coverage they need since 2017 and is ready to help get you the Hurricane Insurance coverage you need today. Start with a free, instant home insurance quote by providing your address above, and we’ll take it from there! If you are looking to supplement your existing homeowners policy, start your quote for either flood insurance or windstorm insurance and one of our agents will help you!
At TGS Insurance, we automatically include windstorm/hail coverage with a 2% deductible written into all home insurance policies; this coverage is customizable based on your needs. From there, we can round out your hurricane protection with the best flood insurance quotes available!
Hurricane Preparation Checklists:
Emergency Kit Checklist (PDF)
Important Documents Checklist (PDF)
Evacuation Checklist (PDF)
Riding Out The Storm Checklist (PDF)
2026 Hurricane Season News:
2026 Atlantic Hurricane Season: Below-Normal Season Forecast for First Time in Years
Hurricane Season Resources:
5 Tips to Prepare for Hurricane Season
Preparing Your Boat for a Hurricane
Texas Hurricane Insurance FAQs
Does Homeowners Insurance Cover Hurricane Damage in Texas?
Homeowners insurance may cover certain types of hurricane damage, particularly damage caused by wind and hail. However, coverage depends on your policy and location. Some Texas coastal homeowners need a separate windstorm policy, and standard homeowners insurance generally does not cover flooding or storm surge.
Does Renters Insurance Cover Hurricane Damage?
Renters insurance may cover belongings damaged by certain hurricane-related perils, such as wind, depending on the policy. However, standard renters insurance generally does not cover flood or storm surge damage. Renters may need separate flood insurance to protect their belongings from rising water.
Are Hurricane Insurance and Flood Insurance the Same Thing?
No. Flood insurance specifically covers eligible damage caused by flooding and rising water, including hurricane storm surge. Hurricane protection may involve multiple policies or coverages, including homeowners insurance, windstorm coverage, and flood insurance.
Is Hurricane Insurance Required in Texas?
Texas does not require homeowners to purchase a policy called hurricane insurance. However, mortgage lenders generally require homeowners insurance and may also require windstorm or flood insurance depending on the property’s location and risk.
Does Hurricane Insurance Cover Storm Surge?
Storm surge is considered a type of flooding and is generally not covered by standard homeowners or windstorm insurance. A separate flood insurance policy is typically needed to cover eligible damage caused by rising water and hurricane storm surge.
What Is a Hurricane Deductible?
Some insurance policies have a separate deductible that applies to hurricane, named-storm, or windstorm damage. These deductibles may be calculated as a percentage of your home’s insured value rather than a fixed dollar amount. Check your policy to understand which deductible applies to hurricane-related claims.
Can I Buy Hurricane Insurance After a Storm Is Named?
It may be too late to purchase certain coverage once a hurricane or tropical storm is approaching. Insurance companies can place temporary restrictions on new coverage, and TWIA does not accept applications when a hurricane is in the Gulf of Mexico. Flood insurance may also have a waiting period before coverage takes effect.
Does Hurricane Insurance Cover Temporary Housing?
Your homeowners or windstorm coverage may include additional living expenses if your home becomes uninhabitable because of covered hurricane damage. Coverage can help with expenses such as temporary housing and meals, but availability and limits depend on the policy.