Home insurance of last resort in Galveston County, Texas
At 30 June 2026 the Texas Windstorm Insurance Association had 87,273 policies in force, up 2.3% from a year earlier, and the Texas FAIR Plan had 8,709 policies in force, up 13.0% from a year earlier by the report's own comparison.
TWIA policies in force in Galveston at each quarter end
Windstorm pool (TWIA)
| Quarter end | Policies in force | Exposure | Premium written, year to date | Residential policies |
|---|---|---|---|---|
| 30 June 2026 | 87,273 | $42.7 billion | $133.5 million | 84,953 |
| 31 March 2026 | 86,697 | $42.3 billion | $54.4 million | 84,358 |
| 31 December 2025 | 86,350 | $42.2 billion | $273.9 million | 83,981 |
| 30 September 2025 | 85,982 | $41.8 billion | $219.7 million | 83,570 |
| 30 June 2025 | 85,328 | $40.6 billion | $134.4 million | 82,918 |
| 31 March 2025 | 84,394 | $39.3 billion | $55.0 million | 81,940 |
| 31 December 2024 | 83,729 | $38.3 billion | $253.5 million | 81,253 |
| 30 September 2024 | 83,022 | $37.3 billion | $200.7 million | 80,548 |
| 30 June 2024 | 81,638 | $35.9 billion | $121.3 million | 79,187 |
| 31 March 2024 | 79,107 | $34.0 billion | $48.7 million | 76,693 |
| 31 December 2023 | 77,912 | $32.9 billion | $223.3 million | 75,470 |
| 30 September 2023 | 76,687 | $31.7 billion | $176.8 million | 74,206 |
| 30 June 2023 | 74,923 | $30.0 billion | $105.2 million | 72,429 |
| 31 March 2023 | 72,796 | $28.2 billion | $42.2 million | 70,283 |
Texas FAIR Plan
The FAIR Plan publishes its 25 largest counties by exposure each quarter.
| Quarter end | Policies in force | Exposure | Premium written, year to date |
|---|---|---|---|
| 30 June 2026 | 8,709 | $3.8 billion | $3.3 million |
| 31 March 2026 | 8,566 | $3.7 billion | $1.5 million |
| 31 December 2025 | 8,406 | $3.6 billion | $6.4 million |
| 30 September 2025 | 8,174 | $3.5 billion | $5.1 million |
| 30 June 2025 | 7,704 | $3.2 billion | $3.3 million |
| 31 March 2025 | 7,146 | $2.9 billion | $1.4 million |
| 31 December 2024 | 6,722 | $2.6 billion | $4.8 million |
| 30 September 2024 | 6,311 | $2.3 billion | $3.6 million |
| 30 June 2024 | 5,714 | $2.0 billion | $2.2 million |
| 31 March 2024 | 5,152 | $1.7 billion | $896,461 |
| 31 December 2023 | 4,906 | $1.6 billion | $3.0 million |
| 30 September 2023 | 4,661 | $1.5 billion | $2.3 million |
| 30 June 2023 | 4,487 | $1.4 billion | $1.5 million |
| 31 March 2023 | 4,305 | $1.3 billion | $648,018 |
Nonrenewals, 2018 to 2023
From the Senate Budget Committee's insurer data. More on nonrenewals in Galveston.
| Year | Nonrenewals | Policies in force | Nonrenewal rate | Texas rate |
|---|---|---|---|---|
| 2023 | 600 | 40,835 | 1.47% | 0.83% |
| 2022 | 414 | 34,338 | 1.21% | 0.68% |
| 2021 | 157 | 28,187 | 0.56% | 0.64% |
| 2020 | 113 | 25,826 | 0.44% | 0.46% |
| 2019 | 173 | 25,516 | 0.68% | 0.64% |
| 2018 | 210 | 26,660 | 0.79% | 0.81% |
Sources
- Texas Windstorm Insurance Association, Statistical Report and Quarterly Liability Report by county
- Texas FAIR Plan Association, Quarterly Liability Report, top 25 counties by exposure
- US Senate Budget Committee, Homeowners insurance nonrenewal data by county, 2018 to 2023 (December 2024 release)
Checked 29 October 2026. Figures are reproduced as published and are not adjusted.