Final answer:
The state's insurer of last resort for wind and hail coverage in the coastal areas of Texas is the Texas Windstorm Insurance Association (TWIA).
Step-by-step explanation:
The state's insurer of last resort for wind and hail coverage in the 14 coastal counties and parts of Harris County is the Texas Windstorm Insurance Association (TWIA).
TWIA is a non-profit organization created by the Texas Legislature to provide wind and hail insurance for properties located in the designated catastrophe area along the Texas coast.
If a property owner cannot obtain coverage through traditional insurance companies, they can turn to TWIA as a last resort.