Is Wind Insurance the same as Hurricane Insurance?
Hurricanes cause damage from both high winds and flooding. Insurance policies that cover wind damage are not the same as insurance policies that cover flood. In Texas, damage from hurricane force winds or wind-driven rain or debris is covered under either a standard homeowners insurance policy or a Texas Windstorm Insurance Association policy, depending on where you live. If you live in 14 specific Texas gulf coast counties and a portion of Harris county, a Texas Windstorm Insurance Association policy will cover your wind and hail damage. For everywhere else in Texas, a standard homeowners insurance policy will cover hurricane wind, rain, and debris. Hurricane-related flooding, however, is specifically excluded from homeowners policies and Texas Windstorm Insurance Association policies. Flood insurance for the vast majority of home and business owners must be obtained by a separate flood insurance policy.