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Bill

HB 5168

Relating to the location of the Texas Windstorm Insurance Association headquarters.

89th Legislature (2025) Introduced by A.J. Louderback

HB 5168 relocates the Texas Windstorm Insurance Association headquarters, potentially affecting coastal insurer operations and the current headquarters city's economy.

Referred to Insurance
#coastalaffairs&beaches(i0067) #windstorminsuranceassociation #texas(v0508)
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Bill Summary · HB 5168

Legislative bill overview

HB 5168 proposes to relocate the headquarters of the Texas Windstorm Insurance Association (TWIA) from its current location. The bill was filed in March 2025 and is currently in the Insurance Committee after being read for the first time in early April. The specific proposed location is not detailed in the available action summary.

Why is this important

TWIA is a state-created insurer of last resort that provides windstorm and hail coverage for property owners on the Texas coast who cannot obtain coverage in the private market. The location of TWIA's headquarters affects operational efficiency, employee recruitment and retention, and potentially the association's relationship with state government oversight. Relocating a major state insurance entity involves logistical, budgetary, and administrative considerations that impact how efficiently the organization serves coastal Texans.

Potential points of contention

  • Economic impact on current headquarters location: Relocating TWIA could mean job losses and reduced economic activity in the current headquarters city, which may face local opposition
  • Operational disruption and costs: Moving a major insurance organization involves significant transition expenses, IT infrastructure changes, and potential service disruptions during relocation
  • Geographic accessibility and governance: Questions about whether a new location better serves TWIA's mission, maintains appropriate state oversight, or improves accessibility for coastal policyholders and stakeholders

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

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