What is the state's insurer of last resort for wind and hail coverage in the 14 coastal counties and parts of Harris County?

The Texas Windstorm Insurance Association serves as the state's insurer of last resort for wind and hail coverage specifically in the 14 coastal counties and parts of Harris County. This organization was established to provide coverage to property owners in high-risk areas who may have difficulty obtaining windstorm insurance through standard market channels.

The association focuses on making wind and hail coverage accessible to ensure that property owners in vulnerable coastal regions can secure their homes and businesses against potential storm damage. This is crucial because many traditional insurance policies do not cover wind and hail damage in these areas due to the elevated risk associated with hurricanes and severe storms.

In contrast, while other options like the Texas Coastal Coverage Association and the Texas Hurricane Insurance Program may relate to insurance needs in coastal areas, they do not serve the specific role of being the last resort insurer for wind and hail coverage like the Texas Windstorm Insurance Association does. The Texas Risk Management Board is not related to property insurance but focuses more on risk management in governmental contexts. Thus, the Texas Windstorm Insurance Association is the correct answer for the question posed.