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HB 2213

Relating to the composition of the board of directors of the Texas Windstorm Insurance Association.

89th Legislature (2025) Introduced by Terri Leo-Wilson and 6 co-sponsors

HB 2213 restructures the Texas Windstorm Insurance Association board of directors effective September 1, 2025, altering stakeholder representation among insurers, consumers, and state interests.

Effective on 9/1/25
#insurance--property&casualty(i0442) #windstorminsuranceassociation #texas(v0508)
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Bill Summary · HB 2213

Legislative bill overview

HB 2213 modifies the board composition requirements for the Texas Windstorm Insurance Association (TWIA), a state-created insurer of last resort for coastal property owners. The bill adjusts how board members are selected and allocated among different stakeholder groups. The changes take effect September 1, 2025.

Why is this important

TWIA provides windstorm and hail insurance to roughly 1 million Texas properties, primarily in coastal areas where private insurers won't operate. Board composition directly affects policy decisions on rates, coverage, and claims handling that impact hundreds of thousands of policyholders and the broader insurance market. Changes to governance structure can influence whether TWIA operates as a true last resort or expands its role in the market.

Potential points of contention

  • Stakeholder representation balance: Adjusting board seats among insurers, consumers, and public representatives creates winners and losers—some groups gain influence while others lose seats or voice
  • Consumer protection vs. insurer interests: Board changes may tip the balance between prioritizing policyholder protections versus accommodating insurance industry concerns about rate adequacy
  • Market dynamics: Modifications to governance could affect whether TWIA remains truly a last resort or competes more directly with private insurers, influencing market competition and availability

Compiled from official sources — confirm details with the bill’s official record.

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