Nearly 4,000 Cameron County homes could lose state-backed windstorm coverage
Illustration of coastal homes under stormy conditions, representing the windstorm risks facing properties along the Texas coast as the state-backed insurer considers ending coverage for second homes.

Thousands of Cameron County second-home owners could be forced to find windstorm insurance elsewhere under a proposal being considered by Texas’ state-backed insurer of last resort.

The Texas Windstorm Insurance Association, or TWIA, currently provides windstorm coverage for 3,964 second homes in Cameron County, the fifth-highest number among the coastal counties it serves. Another 187 are covered in neighboring Willacy County.

Patrick McNulty
Patrick McNulty

Now, TWIA is considering asking state lawmakers to restrict its residential coverage to owner-occupied primary homes, which would make second homes ineligible. The proposal is scheduled for discussion Sept. 1 as the association develops recommendations for the Texas Legislature.

The financial incentive is significant. 

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