Grants directory
Texas windstorm insurance certificate-driven eligibility and debris-protection requirements
Texas Department of Insurance · State program
No fixed dollar amount stated; tied to insurance eligibility
Texas windstorm insurance rules can indirectly reward stronger construction by making windstorm coverage available only when a structure is certified to code in designated catastrophe areas. TDI also says windborne debris protection is required in most of those areas under current codes.
Program details
How it works
TDI says construction must be certified to be eligible for windstorm insurance coverage through the Texas Windstorm Insurance Association (TWIA) in designated catastrophe areas. This is not a cash grant, but it is a statewide insurance-related incentive tied to hardened construction.
What the rules emphasize
- Starting April 1, 2026, Windstorm Certificate of Compliance applications (WPI-1) must be certified under either the 2024 International Residential Code or 2024 International Building Code.
- Construction must be located within designated catastrophe areas to be eligible for windstorm insurance coverage through TWIA.
- Most designated catastrophe areas are now within the windborne debris region.
- Windborne debris protection requirements apply as specified in the 2024 IRC and 2024 IBC.
Why this matters to homeowners
This functions as a statewide insurance access requirement for wind-hardening features, not a direct rebate.
Limitations
TDI does not state a universal dollar amount or premium reduction on this page.
Full eligibility details
Create a free account to see full eligibility, get matched to your address, and get application help.
Create accountGet matched to programs for your exact address
Create a free Cindera account to see full eligibility details, get programs matched to your exact address, and get grant application help.
Create account