No, homeowners aren’t required to get windstorm insurance unless a mortgage lender demands it. A mortgage company may want you to have windstorm insurance if your home is along the coast and often gets battered by storms.
However, even if your mortgage company doesn’t demand it, windstorm insurance could still be a wise decision — especially if your home is at risk.
Private insurance companies offer windstorm coverage. If you can’t find coverage through a private insurer, the Texas Windstorm Insurance Association provides policies for at-risk properties. The average policy cost for those at-risk properties is about $1,500 per year.