Modeled dataCarrier availability & pricing are modeled.How this is modeled
CoverGuard

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 surfaces who's writing in your ZIP — and what perils are driving the no-quote responses.

Run a Texas insurability check

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
A broad landscape combines coast, river, forest, dry terrain, and homes.
Illustrative landscape — the kinds of exposure a Texas property review considers. AI-generated illustrative image for CoverGuard marketing; not evidence of a real customer, property, carrier result, or event. Illustrative only — no figure on this page is derived from this image, and no marker is placed at a real location.

  1. Flood Flood

    River and coastal context can vary significantly across nearby properties.

  2. Wildfire Wildfire

    Vegetation, terrain, and access are useful inputs for further review.

  3. Wind Wind

    Coastal exposure can shape the questions asked about a property.

  4. Earthquake Earthquake

    Regional context is a starting point and does not establish property-level loss.

Perils we score for Texas

Hail

How CoverGuard scores hail exposure for a property in this state.

Hail data sources
NOAA SPC climatologyModeled estimate
Source: NOAA SPC climatology · 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 + TWIA wind tierModeled estimate
Source: ASCE 7 + TWIA wind tier · 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 + post-Harvey LOMR updatesModeled estimate
Source: FEMA + post-Harvey LOMR updates · Last checked 2026-06-02.
State-level sourcing. A property-level answer needs the address.

ZIPs worth watching

Where CoverGuard currently models the highest property-level deal risk. 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.

From the CoverGuard Record to bound coverage — without the surprises

With carriers exiting major markets, insurance is killing deals at closing. CoverGuard's AI reads the CoverGuard Record, models which carriers will write the risk, and pulls back indicative pricing with a quote request — before anyone signs on the dotted line.

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From CoverGuard Record to a quote request

The CoverGuard Advisor reads the risk, models which carriers will write it, and pulls back indicative pricing — with every number sourced and auditable.

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