Texas A&M University of Galveston (TAMUG) was contracted by the Texas Department of Insurance (TDI) to conduct a study of the effects of resilient structures on market incentives for writing windstorm and hail insurance in the 14 Tier 1 coastal counties of Texas and parts of Harris County. The study was conducted in accordance with Texas Insurance Code Section 2210.015. The study involved developing and administering a voluntary survey of insurers, a review of resilient construction standards including IBHS FORTIFIED standards, and scholarly research related to their effectiveness in mitigation losses, economic effects, and public perceptions about them. The study also provided an in-depth review of incentive programs related to resilient retrofits and structural upgrades in states where such programs have already been initiated.