Windstorm and hail are the most common natural disaster risks in Texas. Hail can damage roofs, siding, and windows. High winds from thunderstorms and tornadoes can cause structural damage. Check the roof age, window type (impact-resistant), and whether the home is in a windstorm-prone zone.
Texas Windstorm and Hail Risk Overview
Texas leads the nation in hail losses. Windstorms including straight-line winds, tornadoes, and hurricanes (in coastal areas) affect properties across the state. In San Antonio and the Hill Country, severe thunderstorms with damaging winds and large hail are common, especially in spring. Wind and hail damage to roofs is the most frequent homeowners insurance claim in Texas.
What to Check: Roof Age, Impact Windows, Insurance
Ask the seller for the roof age and whether it has impact-resistant shingles. Older roofs (10+ years) are more likely to leak after a storm. Impact-resistant windows, metal roofing, and reinforced garage doors reduce wind damage. Check insurance costs: windstorm and hail coverage is standard in Texas policies, but deductibles may be higher (1-5% of home value). The Texas Windstorm Insurance Association (TWIA) provides coverage for coastal counties in high-risk zones.