What “windstorm zone” means
Texas uses the term designated catastrophe area for the coastal areas covered by its windstorm inspection program. A property there may need a certificate of compliance for eligibility for wind and hail coverage through the Texas Windstorm Insurance Association (TWIA). A city name alone can be misleading when municipal boundaries cross county lines.
The TDI catastrophe-area maps are the right starting point. The maps are informational, so confirm an uncertain address with TDI or your insurance professional before work begins.
What changes for a roof project?
TDI says most roof replacements and major repairs in designated areas require an inspection and certificate of compliance. Some small repairs are exempt; the work scope matters. If an inspection applies, plan it before the work is covered up. Ask who submits the application, who performs the inspection, and how you will receive the certificate.
- Confirm the property’s location on the official map.
- Describe the planned roof work and ask whether an inspection is required.
- Arrange the qualified inspector and application before construction.
- Keep the issued certificate with your roof and insurance records.
What code applies now?
TDI states that windstorm certificate applications beginning April 1, 2026 must be certified under the 2024 International Residential Code or 2024 International Building Code, as applicable. The designated catastrophe areas did not change with that code adoption. Check the current TDI adopted-code page for a project-specific decision.