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Dropped in Texas? The FAIR Plan and TWIA explained

Updated September 28, 2026· Sources verified September 28, 2026· Educational information, not legal advice

Short answer

The Texas FAIR Plan is for homes that can't get coverage from a regular insurer. To apply you need two declinations from authorized insurers writing in your area — surplus lines insurers don't count, and a higher price alone isn't a declination. On the coast, wind and hail are covered separately by TWIA.

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Texas FAIR Plan Association

Basic residential property coverage when coverage is not available from the private market.

The FAIR Plan states that applicants must have two declinations from other insurers. MyNonRenewal does not assess eligibility.

Texas Windstorm Insurance Association (TWIA)

Wind and hail coverage for property in designated coastal areas. This is separate from general property coverage.

Eligibility and windstorm certification requirements are published by TWIA. MyNonRenewal does not assess eligibility.

Declinations: what counts

  • Two declinations from insurers authorized to write residential property in Texas and actively writing in your area.
  • An offer that is more restrictive than the FAIR Plan's (for example, a higher deductible or no replacement cost) counts.
  • Price alone does not count, and surplus lines declinations don't qualify.
  • The proof must show the insurer's name and the date. At renewal, two updated declinations are needed every two calendar years.

Your non-renewal notice may help

Keep the non-renewal letter and every written decline or restrictive offer with its date — your agent will need them.

TWIA for coastal wind and hail

In designated coastal areas, private policies and the FAIR Plan often exclude wind and hail. TWIA provides that coverage separately, with its own eligibility and windstorm certification requirements.

Steps

  1. Shop the private market

    An independent agent, plus HelpInsure.com to compare insurers.

  2. Collect two declinations in writing

    With the insurer's name and date.

  3. Apply through an agent

    Make sure the new policy starts before your current one ends.

  4. On the coast, check TWIA

    For wind and hail coverage.

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Official sources

Rules can change. Check the official source before relying on it.

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MyNonRenewal provides educational information and document summaries. It does not provide legal advice, insurance advice, representation, or recommendations regarding specific insurance products.