Texas
Texas wind + hail tightening — and inland convective storm losses are showing up in carrier filings.
Texas carriers are tightening on coastal wind and inland hail. CoverGuard models who is likely writing in the Texas market for a property's risk profile, and which perils drive its insurability.
Carrier landscape: Tightening — inland hail and coastal wind
A modeled read of which carriers are writing in Texas, not an offer of coverage and not a quote. Availability is confirmed by a carrier, per property.
- Coastal Tier 1 counties see fewer admitted-market options
- Hail-prone DFW + Hill Country ZIPs facing surcharges
- TWIA depopulation remains slow
Perils we score for Texas
Hail
How CoverGuard scores hail exposure for a property in this state.
- Hail data sources
- NOAA SPC storm reportsModeled estimate
- Source: NOAA SPC storm reports · Last checked 2026-06-02.
- State-level sourcing. A property-level answer needs the address.
Wind
How CoverGuard scores wind exposure for a property in this state.
- Wind data sources
- ASCE 7-22 wind maps (estimated) + NOAA SPC storm reportsModeled estimate
- Source: ASCE 7-22 wind maps (estimated) + NOAA SPC storm reports · Last checked 2026-06-02.
- State-level sourcing. A property-level answer needs the address.
Flood
How CoverGuard scores flood exposure for a property in this state.
- Flood data sources
- FEMA NFHLModeled estimate
- Source: FEMA NFHL · Last checked 2026-06-02.
- State-level sourcing. A property-level answer needs the address.
ZIPs worth watching
ZIPs our team flagged for this market at its last review, not a modeled ranking. A ZIP appearing here does not mean a property in it is uninsurable, and its absence does not mean a property is easy to place.
- 77550
- 78550
- 75001
- 78624
- 76137
Last checked 2026-06-02. Figures are modeled from public hazard and market sources; each peril above names its own.
Texas insurance terms worth knowing
Wind/Hail Deductible
A separate, usually percentage-based deductible for wind and hail claims — often much larger than the flat deductible on the rest of the policy.
Special Flood Hazard Area (SFHA)
A FEMA-mapped zone with a 1%+ annual chance of flooding — the trigger for a lender's mandatory flood-insurance requirement.
FEMA Flood Zone
The letter-coded designation on a FEMA flood map (A, AE, V, X, …) that states a property's modeled flood risk band.
From the CoverGuard Record to a quote request — without the surprises
With carriers exiting major markets, insurance is killing deals at closing. CoverGuard reads the CoverGuard Record, models which carriers are likely to write the risk and what cover should cost, and sends your quote request to CoverGuard’s brokerage team — before anyone signs on the dotted line.
CoverGuard is in Private Preview. Ask for an invitation and a member of our team will review it — usually within one business day. Available in all 50 states.