Premiums for storm insurance on the coast will rise 12.3 percent for residential and 15.6 percent for commercial customers.

The rates for the Texas Windstorm Insurance Association will go up on February 1. The usual limit on such increases is 10 percent, but Insurance Commissioner Mike Geeslin, citing catastrophic losses, let them go up more than that. With this increase, will have risen 30.5 percent from the beginning of 2006 for residential customers, and 43.3 percent for commercial insureds.