HB2213

Regular Session

Relating to the composition of the board of directors of the Texas Windstorm Insurance Association.

LowStandard timeline

Low Cost

Effective:2025-06-20

Enforcing Agencies

Texas Department of Insurance (Commissioner of Insurance) • Texas Windstorm Insurance Association (Board of Directors)

Compliance Analysis

Key implementation requirements and action items for compliance with this legislation

Implementation Timeline

Effective Date: June 20, 2025 (Note: While the bill text lists September 1, the legislative supermajority vote triggered immediate effect upon the Governor's signature).
Compliance Deadline: Immediate. Any board vacancies filled after June 20, 2025, must utilize these updated eligibility criteria.
Agency Rulemaking: The Texas Department of Insurance (TDI) is not strictly required to promulgate new rules to enforce the statute, but we anticipate guidance defining "actively writing" business versus the previous "renewing" standard.

Immediate Action Plan

1. Update Nomination Slates: Immediately revise your list of potential board nominees to include professionals residing in major inland hubs (e.g., Houston metro areas outside the catastrophe zone) previously blocked by the 100-mile rule.
2. Lobby for Agent Seats: Trade associations should immediately advocate for additional agent representation on the board, as the statutory ceiling of "one agent" has been replaced with a floor of "at least one."
3. Submit Nominees Now: If your organization has a vacancy or wishes to challenge a seat, submit nomination packets to the Commissioner of Insurance immediately; do not wait for the September 1 standard effective date.

Operational Changes Required

Contracts

No Impact: Vendor agreements, employment contracts, and policyholder contracts require no amendments.
No Impact: Carrier participation agreements with TWIA remain unchanged.

Hiring/Training

Board Recruitment: Government Affairs and Executive Leadership teams must update internal vetting criteria for TWIA board nominees.
Candidate Rosters: You must immediately review and potentially reinstate candidates previously disqualified by the "100-mile" rule or the "single agent" cap.

Reporting & Record-Keeping

Biographical Affidavits: Nominees for the TWIA Board must submit updated biographical data to TDI.
Verification: Carrier representatives must now document that they "write or sell" windstorm coverage; documentation proving they "renew" such business is no longer required.

Fees & Costs

None: There are no new statutory fees or assessments associated with this governance change.

Strategic Ambiguities & Considerations

While the statute is effective, two areas require careful monitoring for TDI interpretation:

1. "Actively Write or Sell": The removal of the phrase "and renew" implies that carriers new to the market (with no renewal book) are now eligible for board seats. TDI has not yet defined the minimum volume threshold required to constitute "actively writing."
2. "Outside a Catastrophe Area": The repeal of the 100-mile rule replaces a clear metric with a statutory definition. While "Catastrophe Area" is defined in Section 2210.003, residency eligibility for candidates living near the borders of Tier 1 coastal counties or Harris County will now be determined by strict boundary lines rather than mileage.

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Legislative Timeline

This bill's path through the Texas Legislature

TopicsInsurance Insurance--property & Casualty Windstorm Insurance Association, Texas

Official Analysis

View HRO Analysis View All Bill Documents

BILL ANALYSIS

C.S.H.B. 2213

By: Johnson

Insurance

Committee Report (Substituted)

BACKGROUND AND PURPOSE

The bill author has informed the committee that there have been vacancies on the Texas Windstorm Insurance Association (TWIA) board of directors. Among other requirements, current law requires three board members to reside in first tier coastal counties and three members to reside in an area of Texas that is located more than 100 miles from the Texas coastline. The bill author further informed the committee that, because of these composition requirements, a significant number of Texans are ineligible for TWIA board membership, including parts of Houston, which according to the Texas Tribune has experienced significant insurance impacts resulting from worsening storm and weather volatility. C.S.H.B. 2213 seeks to address this issue by broadening eligibility criteria for TWIA board membership to provide for the three seats currently for board members residing in an area more than 100 miles from the Texas coastline to instead be filled by members who reside in an area outside of a catastrophe area.

CRIMINAL JUSTICE IMPACT

It is the committee's opinion that this bill does not expressly create a criminal offense, increase the punishment for an existing criminal offense or category of offenses, or change the eligibility of a person for community supervision, parole, or mandatory supervision.

RULEMAKING AUTHORITY

It is the committee's opinion that this bill does not expressly grant any additional rulemaking authority to a state officer, department, agency, or institution.

ANALYSIS

C.S.H.B. 2213 amends the Insurance Code to replace the requirement that three members of the board of directors of the Texas Windstorm Insurance Association reside in an area of Texas that is located more than 100 miles from the Texas coastline with a requirement that three members of the board reside in an area of Texas that is located outside a catastrophe area under the Texas Windstorm Insurance Association Act.

EFFECTIVE DATE

September 1, 2025.

COMPARISON OF INTRODUCED AND SUBSTITUTE

While C.S.H.B. 2213 may differ from the introduced in minor or nonsubstantive ways, the following summarizes the substantial differences between the introduced and committee substitute versions of the bill.

Both the introduced and the substitute replace the requirement that three members of the board of directors of the Texas Windstorm Insurance Association reside in an area of Texas that is located more than 100 miles from the Texas coastline. However, the introduced did so with a requirement that these members reside in an area of Texas that is located outside the first tier coastal counties, whereas the substitute does so with a requirement that these members reside in an area of Texas that is located outside a catastrophe area.

House Authors

Rep. Ann JohnsonDemocrat · Primary Author

Joint Authors

Coauthors (2)

Senate Sponsor

Sen. Mayes MiddletonRepublican · Primary Sponsor

Bill Text(with markup)

H.B. No. 2213

View bill text in multiple formats on Texas Legislature website

Fiscal NoteView Original

	AN ACT
	relating to the composition of the board of directors of the Texas
	Windstorm Insurance Association.
	BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS:
	SECTION 1. Sections 2210.102(b), (c-1), and (d), Insurance
	Code, are amended to read as follows:
	(b) Three members must be:
	(1) representatives of the insurance industry who
	actively write or sell [~~and renew~~] windstorm and hail insurance in
	the first tier coastal counties; and
	(2) residents of this state.
	(c-1) At least one [~~One~~] of the members appointed under
	Subsection (c) must be a property and casualty agent who is licensed
	under this code, is actively offering or selling Texas windstorm
	and hail insurance policies under this chapter, and is not a captive
	agent.
	(d) Three members must reside in an area of this state that
	is located outside a catastrophe area [~~more than 100 miles from the~~
	~~Texas coastline~~].
	SECTION 2. This Act takes effect September 1, 2025.

LEGISLATIVE BUDGET BOARD
Austin, Texas

FISCAL NOTE, 89TH LEGISLATIVE REGULAR SESSION


March 29, 2025

TO:	Honorable Jay Dean, Chair, House Committee on Insurance

FROM:	Jerry McGinty, Director, Legislative Budget Board

IN RE:	HB2213 by Johnson (Relating to the composition of the board of directors of the Texas Windstorm Insurance Association.), As Introduced

No significant fiscal implication to the State is anticipated.

It is assumed that any costs associated with the bill could be absorbed using existing resources.

Local Government Impact

No fiscal implication to units of local government is anticipated.

Source Agencies:

454 Department of Insurance

LBB Staff:

JMc, AAL, BFa

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Frequently Asked Questions

Common questions about HB2213

What does Texas HB2213 do?

HB2213 immediately restructures the eligibility requirements for the Texas Windstorm Insurance Association (TWIA) Board of Directors, expanding the pool of qualified candidates for insurers and agents. The legislation repeals the arbitrary 100-mile inland residency requirement and removes the statutory cap that previously limited the board to a single property and casualty agent. Implementation Timeline Effective Date: June 20, 2025 (Note: While the bill text lists September 1, the legislative supermajority vote triggered immediate effect upon the Governor's signature).

Who authored HB2213?

HB2213 was authored by Texas Representative Ann Johnson during the Regular Session.

When was HB2213 signed into law?

HB2213 was signed into law by Governor Greg Abbott on June 20, 2025.

Which agencies enforce HB2213?

HB2213 is enforced by Texas Department of Insurance (Commissioner of Insurance) and Texas Windstorm Insurance Association (Board of Directors).

How urgent is compliance with HB2213?

The compliance urgency for HB2213 is rated as "low". Businesses and organizations should review the requirements and timeline to ensure timely compliance.

What is the cost impact of HB2213?

The cost impact of HB2213 is estimated as "low". This may vary based on industry and implementation requirements.

What topics does HB2213 address?

HB2213 addresses topics including insurance, insurance--property & casualty and windstorm insurance association, texas.

Legislative data provided by LegiScanLast updated: November 25, 2025

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