County data
Brazoria County Windstorm & Roof Insurance Data, 2026
Every Texas Department of Insurance figure that decides what a re-roof in this county has to be, compiled in one place because it exists nowhere else.
Brazoria County is one of fourteen first-tier coastal counties in the Texas Department of Insurance designated catastrophe area, it is TWIA's second-largest exposure in the state, and more than half its homeowners now buy wind and hail coverage from TWIA rather than from the private market. Every figure below comes from TDI's own published data.
We compiled this because none of it appears anywhere on a roofing website, and all of it changes what a Brazoria County homeowner should do when the roof needs replacing.
| County | 2023 | 2024 | 2025 |
|---|---|---|---|
| Aransas | 73% | 80% | 82% |
| Calhoun | 74% | 79% | 81% |
| Galveston | 68% | 73% | 75% |
| Matagorda | 60% | 66% | 69% |
| Jefferson | 49% | 55% | 59% |
| San Patricio | 49% | 55% | 57% |
| Nueces | 46% | 52% | 54% |
| Chambers | 40% | 49% | 53% |
| Harris (catastrophe area only) | 42% | 48% | 52% |
| Brazoria | 39% | 47% | 51% |
| Refugio | 20% | 24% | 26% |
| Kenedy | 24% | 31% | 24% |
| Willacy | 18% | 19% | 19% |
| Kleberg | 14% | 17% | 18% |
| Cameron | 14% | 15% | 14% |
| Whole catastrophe area | 47% | 53% | 55% |
Texas Department of Insurance Residential Property Statistical Plan data, measured by insured exposures for dwelling and contents. TWIA Overview p.44.
Brazoria County's TWIA residential market share rose twelve points in two years, from 39% to 51%. That is not homeowners choosing an association over a carrier. It is private carriers withdrawing from the county, and it means the windstorm certification requirement now applies to the majority of houses here rather than a minority.
| County | Insurance in force | Share of TWIA book |
|---|---|---|
| Galveston | $42.34 billion | 33% |
| Brazoria | $25.39 billion | 20% |
| Nueces | $21.96 billion | 18% |
| Jefferson | $12.77 billion | 10% |
| Cameron | $5.15 billion | 4% |
| Chambers | $4.42 billion | 4% |
| Aransas | $4.41 billion | 3% |
| San Patricio | $3.85 billion | 3% |
| Matagorda | $2.19 billion | 2% |
| Harris (catastrophe area only) | $2.06 billion | 2% |
| All others | $2.58 billion | 2% |
| Total | $127.13 billion | 100% |
TWIA Quarterly Statistical Report as of 31 March 2026, reproduced in the TDI TWIA Overview p.15.
At $25.39 billion of direct insurance in force, Brazoria accounts for 20% of TWIA's entire $127.13 billion book and sits second only to Galveston.
What the rules actually say
| Rule | Detail | Where it comes from |
|---|---|---|
| Who is covered | All of Brazoria County, as one of 14 first-tier coastal counties | TDI Windstorm Inspections Program |
| Re-roofs and repairs | Must comply with the windstorm building code to remain TWIA-eligible | TWIA Overview p.28 |
| Exemption | Structures built before January 1, 1988 need no WPI-8 for TWIA coverage | TWIA Overview p.28 |
| Noncompliant bracket | Built 1 Jan 1988 to 18 June 2009 with no WPI-8: insurable with a 15% surcharge | SB 1702 / SB 498, TWIA Overview p.29 |
| Current code standard | 2024 IRC and IBC as amended by TDI, effective April 1, 2026 | TWIA Overview p.35 |
| Previous code standard | 2018 IRC and IBC, effective 1 September 2020 | TWIA Overview p.35 |
| Building code credit | 19% to 33% off the wind premium, by location and code met | TWIA Overview p.32 |
| Residential deductibles | $100, $250 or 1%; large options 1.5% to 5% with credits | TWIA Overview p.38 |
| Maximum dwelling limit | $1,773,000 effective 1 January 2026 | TWIA Overview p.37 |
| Certificates are public | Every WPI-8 ever issued is searchable by address | TDI windstorm records |
All rows from Texas Department of Insurance published material, June 2026.
What Beryl cost, and what it did here
| Storm | Category and winds | TWIA claims | TWIA losses |
|---|---|---|---|
| Beryl, 8 Jul 2024 | Cat 1, 80 mph sustained at landfall | 32,171 | $545 million |
| Nicholas, 14 Sep 2021 | Cat 1, 75 mph | not separately reported | $54 million |
| Harvey, 25 Aug 2017 | Cat 4, 130 mph at landfall | 71,565 | $1.7 billion |
| Ike, 13 Sep 2008 | Cat 2, 110 mph; major damage in Brazoria | 93,064 | $2.6 billion |
| Dolly, 23 Jul 2008 | Cat 2, 100 mph | not separately reported | $327 million |
| Rita, 24 Sep 2005 | Cat 3, 115 mph | not separately reported | $160 million |
TWIA Overview pp.20-25. Brazoria County detail for Beryl, gusts of 70 to 80 mph county-wide with a peak of 97 mph near SH-36 at the Brazos River and a county rainfall high of 11.76 inches near Brookside, from the National Weather Service Houston/Galveston post-storm report.
TWIA drew $462.7 million out of the Catastrophe Reserve Trust Fund in March 2025 to pay Beryl losses. The fund balance as of 31 March 2026 was $15.2 million, down from roughly $742 million before Hurricane Harvey. That is context worth having when people ask why coverage in this county is getting harder to buy.
The three things a Brazoria County homeowner should actually do
- Search your address. TDI publishes every windstorm certificate ever issued, free and by address, at the WPI-8 search. Find out whether your house has one. Do this before you buy a house here, and do it before you accept a re-roof quote.
- Find your build date. Before January 1, 1988 and you are exempt. Between then and 19 June 2009 with no certificate and you are in the noncompliant bracket, insurable with a 15% surcharge. After that and you need it.
- Ask your agent about the building code credit. A certified code-compliant structure earns 19% to 33% off the wind premium depending on location and code, applied every year. That is the number that makes a certified re-roof pay for its own inspection several times over.
Where to go, not through us
- TDI windstorm field office, Brazoria, Calhoun and Matagorda counties: 209 E. Mulberry, Suite 500, Angleton, TX 77515, 800-248-6032 option 4 then option 3.
- TDI appointed engineers list, for a post-construction evaluation: public appointed qualified inspector list.
- WPI-8 certificate search: appscenter.tdi.texas.gov.
- TWIA: twia.org, 800-788-8247.
- Brazoria County building permits, unincorporated addresses: 111 E. Locust St., Angleton, 979-849-5711. Permit information.
Sources
- Texas Department of Insurance, Texas Windstorm Insurance Association Overview, published 8 June 2026 for the quarter ending 31 March 2026. Market share table p.44, insurance in force by county p.15, eligibility and inspection process pp.26-29, building code credits pp.31-32, code adoption history p.35, field offices p.33, Beryl figures pp.20 and 25, CRTF history p.47, deductibles and limits pp.37-38.
- TDI, What is the Windstorm Inspection Program? First-tier county list and TWIA qualification requirements.
- National Weather Service Houston/Galveston, Hurricane Beryl post-storm report. Brazoria County wind gusts and rainfall.
Compiled July 2026 by Roofing Rosharon TX. We are roofers, not insurance agents or lawyers, and nothing here is advice about your particular policy. Take it to your agent, who is the right person for that. If you are a journalist or a local organisation and this is useful, take it and cite it.
Ring (281) 845-8668 and a roofer picks up
Free inspections across Rosharon and north Brazoria County. Same-day callback before 6pm.
Call (281) 845-8668- A roofer answers, not an answering service
- Written line-item scope before any work starts
- We never touch your deductible, and Texas law is why
Have a doubt
Questions about the windstorm rules
Is Rosharon in the windstorm zone even though it is thirty miles inland?
Yes. The TDI Windstorm Inspections Program applies to entire first-tier counties, and Brazoria County is one of the fourteen. Distance from the water does not exempt an address anywhere in the county.
What is the 15 percent surcharge?
Residential structures built on or after 1 January 1988 and before 19 June 2009 that never went through the windstorm inspection process can still be covered by TWIA under the noncompliant provisions, with a 15 percent surcharge applied to the policy. SB 498 made that availability indefinite.
How big is the building code credit really?
19 to 33 percent off the wind premium, depending on where the risk is located and which building code the structure meets. It is recorded on the WPI-8 itself and it applies every year the roof is up there, which is why an uncertified cheap re-roof is more expensive than it looks.
Can I look up whether my house has a certificate?
Yes, free, by address, in about a minute. TDI publishes every WPI-8 ever issued at appscenter.tdi.texas.gov. It is the single most useful thing a Brazoria County homeowner or buyer can do before spending money on a roof.