Understand your disappointment. We will be retiring back to my hometown on the Texas coast in a couple years. It is impossible to find a company that will insure windstorm and hail, so you have to go through the state to get coverage.
In comparison to other insurance companies USAA is a small member own company that does not have their vast insurance base to spread the cost of the higher risk coastal areas. To provide coverage to these areas would require they price those policies out of competitive range or raise all other policies to cover, Neither would be a workable solution.
I can totally relate, my parents have a house near the Delaware River, and although they do not use USAA, they too had this same issue. I know how stressful that can be!
We do appreciate you taking the time to comment in the community, that is what we are here for! If you have additional unanswered questions, please do not hesitate to give us a call at: 1 800-531-8733. Thank you.