Texas building codes & insurance rules
TWIA
Texas Windstorm Insurance Association covers 14 Gulf Coast counties
WPI-8 Certificate
Required for TWIA coverage — issued after approved installation
Wind-borne debris region
Anywhere within 100 miles of Gulf Coast
Top counties
Harris, Galveston, Brazoria, Nueces, Jefferson
Price gouging law
Bus. & Com. Code §17.46 — up to $20,000 per violation
Top shutter type
Storm panels and accordion shutters most common
Everything Texas homeowners need to know
Texas Gulf Coast homeowners in the 14 TWIA-designated counties must use TWIA-approved products and licensed installers to qualify for windstorm insurance coverage. After installation, a WPI-8 certificate must be issued by a certified inspector before TWIA will cover the opening protection.
The Texas Department of Insurance requires that shutters in wind-borne debris regions meet specific impact standards. Products must be tested and listed — homeowners should always verify their contractor's product certifications before signing a contract.
2026 installed prices in Texas
Prices below reflect 2026 quotes from licensed contractors operating in Texas. Coastal county prices are typically 10–20% higher than inland areas due to salt-air material requirements and higher labor demand.
| Shutter type | Price range | Best for |
|---|---|---|
| Storm Panels | $15–$30 / sq ft | Budget-conscious, any opening size |
| Accordion Shutters | $26–$35 / sq ft | Permanent, fast deployment |
| Roll-Down Shutters | $45–$100 / sq ft | Maximum protection, clean look |
| Bahama Shutters | $18–$32 / sq ft | Decorative, windows only |
| Colonial Shutters | $20–$35 / sq ft | Historic homes, classic look |
| Hurricane Screens | $20–$40 / sq ft | Lanais, large openings |
| Impact Windows | $40–$100 / sq ft | No-deployment, permanent |