Baxter Insurance Agency, Inc.
450 N Sam Houston Pkwy E, #103, Houston, TX 77060
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450 N Sam Houston Pkwy E, #103, Houston, TX 77060
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5715 Airline Dr B, Houston, TX 77076
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5715 Airline Dr, Suite B, Houston, TX 77076
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2800 North Loop West, Suite 1100, Houston, TX 77092
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10055 West Gulf Bank Road, Houston, TX 77040
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2500 W Loop S, #530, Houston, TX 77027
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6702 Gessner Rd, Houston, TX 77040
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13501 Katy Freeway, Suite 1875, Houston, TX 77079
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11111 Katy Freeway, Suite 910, Houston, TX 77079
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7912 Hillcroft St, Houston, TX 77081
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Learn about insurance coverage options specific to Houston residents.
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Hurricane and wind/hail deductibles in Houston typically range from 2% to 5% of your home's insured value. For a $300,000 home, that means you'd pay $6,000 to $15,000 out of pocket before insurance coverage begins. The exact percentage depends on your specific policy and insurance company.
If you live in most of Houston and inland Harris County, yes—wind and hail coverage is typically included in your standard homeowners policy. However, if you live east of Highway 146 or in coastal counties, your standard policy likely excludes windstorm damage and you'll need separate coverage through TWIA or a specialty insurer.
A named storm deductible applies specifically when the National Weather Service officially names a storm system (like Hurricane Beryl). A wind/hail deductible applies to any wind or hail damage, whether from a named hurricane, an unnamed derecho, severe thunderstorm, or tornado. Some policies have both, and your insurer will apply whichever is relevant to your situation.
No. Insurance companies stop issuing new windstorm policies and won't allow changes to existing coverage once a hurricane enters the Gulf of Mexico. You must purchase or modify your coverage well before storm season, which is why it's critical to review your policy during the off-season.
No. Windstorm or hurricane insurance only covers damage from wind and wind-driven rain. Flooding from storm surge or heavy rainfall requires a separate flood insurance policy through the National Flood Insurance Program or a private flood insurer. Most Houston homeowners need both types of coverage for complete hurricane protection.
You can request a lower percentage deductible from your insurance company, though this will increase your premiums. Some insurers offer options as low as 1%, while others may have 2% as their minimum. You can also look into wind-resistant home improvements like impact-resistant roofing or storm shutters, which some insurers reward with discounts.
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