Windstorm insurance is one of the more confusing corners of Texas property insurance. Along the coast, many standard homeowners policies exclude wind and hail, which means a separate windstorm policy — often through the Texas Windstorm Insurance Association — and a separate deductible calculated as a percentage of your home's insured value rather than a flat dollar amount.
This site is a reference desk for that subject. The guides define the terms you will meet on a declarations page, explain what windstorm insurance is and what TWIA is, walk through how percentage deductibles work, and cover the building-side vocabulary — wind retrofits and the FORTIFIED standard — that shows up in inspection reports and insurer paperwork.
The tool on this page is a percentage deductible calculator: enter a dwelling coverage amount and a deductible percentage, and it shows roughly what that deductible means in dollars. The exact figure is always the one stated on your own declarations page, but seeing the arithmetic makes the percentage format much easier to read.
Nothing here is professional advice. For decisions about your own coverage, talk to a licensed agent; for the current rules in your area, the Texas Department of Insurance and TWIA publish the authoritative details.