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The National Weather Service classifies tropical storms as low pressure systems forming over tropical areas, with winds of a minimum of 40 mph. Hurricanes are classified by using the Saffir/Simpson intensity scale which measures atmospheric pressure in terms of millibars (mb) or inches of mercury, along with wind speeds, storm surge and damage:
 

THE SAFFIR/SIMPSON CLASSIFICATION SYSTEM FOR HURRICANES Category Wind speeds Pressures Storm surge Damage 1 74-95 mph Greater than 980mb 4-5 ft. Light 2 96-110 mph 965-979 mb 6-8 ft. Moderate 3 111-130 mph 945-964 mb 9-12 ft. Extensive 4 131-155 mph 920-944 mb 13-18 ft. Extreme 5 More than 155 mph Less than 920 mb Greater than 18 ft. Catastrophic

The Texas Windstorm Insurance Association

Windstorm WPI-8 Certificate Search

Visit the Texas Windstorm Association Home Page

TWIA's purpose is to provide Texas citizens adequate wind and hail coverage when it is not available in the insurance
marketplace; and pay insured's claims when losses occur.

The Texas Windstorm Insurance Association is a ‘pool’ of all property and casualty (P&C) insurance companies authorized to write coverage in Texas.

How do I secure coverage through Texas Windstorm Insurance Association?

An application for windstorm and hail coverage through Texas Windstorm Insurance Association must be submitted by a licensed property and casualty agent. The application must be on forms prescribed by the Association, and include premium payment and a current photograph (taken within the past 90 days) of each building item and each building containing property to be insured.