Texas windstorm coverage: the WPI-8, TWIA, and the roof grant that does not exist

Checked against TDI, TWIA and IBHS pages on August 22, 2026

The honest answer first: there is no statewide Texas equivalent of the roof grant programs in Mississippi, Alabama, Louisiana, or Florida. As of the date above, IBHS's state-by-state incentives directory lists no such program for Texas, and the state's windstorm pages describe inspections and certificates, not grants. If that ever changes, IBHS's directory is where it will show up first, and this page will move with it.

What Texas has instead: building standards with teeth

The Texas Department of Insurance runs the windstorm inspection program, and its page opens with the whole system in one sentence: if you live on the coast, your property must meet certain building standards to get windstorm insurance. Construction and repairs in the designated coastal territory are inspected against those standards, and compliant work earns a WPI-8 certificate of compliance, the document the insurance system runs on. Their pages, including the WPI-8 fact sheet, the certificate lookup, and the inspector directory, are here:

• TDI's windstorm inspections page, which decides everything on this one. Questions go to Windstorm@tdi.texas.gov, the address the department publishes.

The detail that catches people: certification is tied to the construction process, and TDI notes the completed-construction process changed in June 2020. The time to think about the WPI-8 is before the crew starts, not after the shingles are on.

TWIA, the insurer of last resort

The Texas Windstorm Insurance Association describes itself as a not-for-profit insurance company offering windstorm and hail coverage to property owners who cannot get it in the regular market because of hurricane risk. It is the Texas cousin of Mississippi's wind pool, and its site is twia.org. Its own advice is the right first step: talk to your insurance agent about all your options, because TWIA is the backstop, not the default. TDI's page also points to TWIA's lookup tool for certificates issued between 2017 and 2020, which matters when buying an older coastal house: ask the seller for the certificate.

The discounts still exist

Per IBHS's directory, some Texas insurers offer discounts for improvements that mitigate hurricane or storm damage, and FORTIFIED construction is still FORTIFIED in Texas: the standard, the evaluators, and the certificate work the same way everywhere. The ask-your-agent call, with the words "wind mitigation credit," is covered on this shelf's discounts page.

If you are re-roofing on the Texas coast

1. Before work starts, tell your contractor the roof needs to comply with the windstorm building standards, and find an inspector through TDI's windstorm pages. A compliant roof without the paperwork is a compliant roof your insurer cannot see.
2. Ask about FORTIFIED while you are at it. The delta between code-compliant and FORTIFIED is smallest mid-re-roof, and the designation can earn credits per IBHS even without a grant behind it.
3. Keep the certificate with the house papers. It matters at insurance time and again at selling time.
4. Watch the directory. If Texas ever launches a grant program, IBHS's incentives page is where it will appear.

What this page is not

This site is not affiliated with, or endorsed by, the Texas Department of Insurance, TWIA, or IBHS, and FORTIFIED is IBHS's trademark. The rules are theirs, they change, and their pages always win over this one. Nothing here is insurance or financial advice: it is a map, drawn on the date stamped at the top.