Texas Insurers Encouraged to Offer Discounts for Home Upgrades Against Storms

Texas encourages home insurers to offer premium discounts for homeowners who strengthen their properties against storm and wildfire damage, following a bulletin issued by the Texas Department of Insurance (TDI) on September 16, 2026.

In a move to enhance the resilience of homes against extreme weather events, TDI is urging insurance companies to recognize the risk mitigation efforts of homeowners by providing premium discounts. These discounts would apply to homes built with robust materials and methods, such as those meeting the FORTIFIED Home™ standard set by the Insurance Institute for Business and Home Safety. By lowering claim expenses, insurers can pass on financial benefits to policyholders who proactively reduce risks.

Regulatory Push for Risk Reduction Incentives

This initiative, led by TDI Commissioner Amanda Crawford, underscores the potential for homeowners to not only protect their property but also contribute to broader community safety. "When homeowners make their homes stronger, they're protecting their property and helping reduce costs for themselves and their communities," Crawford emphasized. Additionally, the Texas Department of Insurance is advocating for legislative changes that would require insurers to consider protective measures against wind, hail, and wildfire damage in their rate calculations. These proposed legal adjustments are scheduled for discussion in the Texas legislature's January session.

Focus on Insurance Cost-Reduction Strategies

This recent bulletin is part of a larger effort consisting of five directives from Governor Greg Abbott to TDI, all aimed at reducing both auto and home insurance expenses in Texas. As the state braces for more frequent and severe weather events, such proactive measures are crucial for mitigating risks and controlling insurance costs. By incentivizing homeowners to adopt stronger building practices, Texas hopes to establish a more resilient housing market that benefits both insurers and policyholders.