Windstorm Insurance Network INC

Alexandria, VA · Public charity (501(c)(3)) · Community Development

✓ Tax-deductible
Revenue
$835K
-25% vs prior year
Spent
$1.1M
To programs
86%
Net assets
$636K
By yearFY2021–FY2025
Revenue
$835K
FY2025▼ -25%
Revenue by fiscal year
FY2021$528K
FY2023$1.2M
FY2024$1.1M
FY2025$835K
Expenses
$1.1M
FY2025▼ -1.0%
Expenses by fiscal year
FY2021$599K
FY2023$1000K
FY2024$1.1M
FY2025$1.1M
Net assets
$636K
FY2025▼ -26%
Net assets by fiscal year
FY2021$468K
FY2023$816K
FY2024$862K
FY2025$636K

From the FY2025 Form 990 (year ending June 2025) · see the original

Status and standing

Is it real, and can you give to it?

Tax-deductible?
Yes
Per the IRS master file.
Can I give now?
No revocation on IRS record
Not on the IRS revocation list.
Filing up to date?
Filed FY2025 (typical filing lag)
Legal name (IRS)Hdr · item CWindstorm Insurance Network INC
EINHdr · item D59-3604274
Exempt statusHdr · item I501(c)(3) · active
Ruling yearIRS BMFOct 2001
Latest filingForm 990FY2025 · Form 990
Principal addressHdr · item CAlexandria, VA
NTEE classificationIRS BMFCommunity Development (S034)
WebsiteHdr · item Jwww.windnetwork.com

Where the money goes

What each dollar paid for.

Statement of Functional Expenses

Part IX · allocated across program, management, and fundraising
Allocation · columns B–D
Program services $0.86 Management & general $0.14
Program services86%$914K
Management & general14%$147K
Total functional expensesLn 25$1.1M

Financial health

Is it on solid ground?

Program efficiency
86%
of spending reaches programs+0.1% vs prior filing year
Operating runway
6.5mo
months of highly liquid reserves at operating expense rate▼ -28% vs prior filing year
Surplus margin
-27%
revenue over expenses, this year▼ -800% vs prior filing year

Summary of the Filing

Part I · fiscal year 2025 · Form 990
Total assets
$752K
FY2025▼ -20%
Total assets by fiscal year
FY2021$468K
FY2023$899K
FY2024$937K
FY2025$752K
Total liabilities
$116K
FY2025▲ +54%
Total liabilities by fiscal year
FY2021$0
FY2023$84K
FY2024$75K
FY2025$116K
Revenue less expensesPt I · Ln 19−$225K
Total assetsPt X · Ln 16$752K
Program-expense ratioPt IX · col B86%
Voting members of governing bodyPt I · Ln 317
Independent voting membersPt I · Ln 417

Balance Sheet

Part X · end of year
CashLn 1$575K
Total assetsLn 16$752K
Total liabilitiesLn 26$116K
Total net assetsLn 32$636K
Months of cash on handcomputed6.5

Statement of Revenue

Part VIII
Program service revenue$706K · 85%
Contributions & grants$102K · 12%
Investment income$23K · 3%
Program service revenue85%$706K
Contributions & grants12%$102K
Investment income3%$23K
Other revenue$4K
Total revenueLn 12$835K

Financial Metrics

Form 990 · FY2025 · each ratio shown with the dollars behind it
Liquidity & Payout
Operating runway
Highly liquid reserves $575K · Operating expenses/yr $1.1M
6.5 months
Where the money goes
Program services
Program services $914K · Total expenses $1.1M
86%
Management & General
Management & general $147K · Total expenses $1.1M
14%
Fundraising
Fundraising $0 · Total expenses $1.1M
0%
Cost to raise $1
Fundraising expense (3-yr avg) $4K · Solicited contributions (3-yr avg) $101K
$0.04 to raise $1 (3-yr avg)
Where the money comes from
Contribution dependence
Contributions & grants $102K · Total revenue $835K
12%
Government reliance
Government grants — · Total revenue $835K
—
Earned-income share
Program service revenue $706K · Total revenue $835K
85%
Investment reliance
Investment income $23K · Total revenue $835K
+3%
Program self-sufficiency
Program service revenue $706K · Total expenses $1.1M
67%
Growth & trend
Revenue growth (YoY)
This year $835K · Prior year $1.1M
-25%
Revenue CAGR
FY2020 $528K · FY2024 $835K
+12%
Net-asset trend (YoY)
End of year $636K · Beginning of year —
Beginning net assets not meaningfully positive — showing dollar change
Balance sheet
Surplus Margin
Revenue $835K · Expenses $1.1M
-27%
Liabilities-to-Assets
Total liabilities — · Total assets $752K
—
Net-asset ratio
Net assets $636K · Total assets $752K
85%
Marketable Investment Share
Publicly traded securities (Pt X, ln 11) — · Other securities (Pt X, ln 12) — · Total assets (Pt X, ln 16) $752K
Excludes program-related investments (Pt X, ln 13)
People & payroll
Highest Reported Total Compensation
Individual Gina Clausen Lozier · Reported title President · Highest reported compensation $0 · Total expenses $1.1M
0%
Personnel share
Salaries, benefits & payroll (Pt IX 5-10) — · Total expenses $1.1M
—
Peer comparison

Same NTEE category, revenue band, and state where available. Descriptive — not a grade.

MetricThis orgPeer medianPercentile
Program ratio 86%——
Overhead ratio 14%——
Fundraising cost ratio 0%——
Revenue growth -25%——
Accounting fee ratio 0.1%——

Straight from the Form 990 — descriptive, not an evaluation. A ratio is hidden when its base is zero or too small to be meaningful; the dollars are always shown.

Leadership and pay

Who runs it, and what are they paid?

Officers, Directors & Key Employees

Part VII, Section A · reportable compensation · most recent filed roster (FY2024); the FY2025 filing did not itemize Part VII
$0Pt VII · Sec A
President-Elect
$0Pt VII · Sec A
Vice President
$0Pt VII · Sec A
Treasurer
$0Pt VII · Sec A
$0Pt VII · Sec A
Immediate Past President
$0Pt VII · Sec A
Board Member
$0Pt VII · Sec A
Board Member
$0Pt VII · Sec A
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Governance & Policies

Part VI
  • 17Voting board membersPt VI · Ln 1a
  • 17Independent board membersPt VI · Ln 1b
  • Conflict-of-interest policyPt VI · Ln 12aNo
  • Whistleblower policyPt VI · Ln 13No
  • Document retention policyPt VI · Ln 14No
  • Top official’s pay independently reviewedPt VI · Ln 15aNo
  • Family or business ties among leadersPt VI · Ln 2No

Mission and programs

What it does.

Connects insurance professionals to discuss windstorm issues and educates property insurance claim participants.

Provided by the organization

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Mission & Programs · Part III

Where the work happens

3 program services account for $914K of program spending, described in the organization's own filed words · FY2024.
01

WIND's annual conference brings together over 1,100 industry professionals for educational programming, certification workshops, and networking.

$879Kprogram expense
02

WIND's Certified Appraiser Program enhances the professionalism and ethics of property insurance appraisers. To earn the certification, property insurance claims professionals complete the four-hour WIND Certified Appraiser program taught at the Windstorm Insurance Conference, and meet the guidelines and criteria to be officially…

$19Kprogram expense
03

WIND's Umpire Certification Program is a curriculum devoted to trainingprofessionals who serve as umpires in property insurance appraisals. To earn the certification, property insurance claims professionals complete the four-hour WIND Certified Umpire program taught at the Windstorm Insurance Conference,and meet the guidelines and…

$16Kprogram expense

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Funders

Who pays for it.

From grant filings on record. Receipts are incomplete: individual donors are never listed.

Grants

Schedule I · this organization's grantmaking
Grants paid · 15 grants · $212K · 2023–2024

Filing history

Every return on file.

YearRevenueExpensesChangeFiling
FY2025 Latest Viewing $835K$1.1M-25% 990 PDF
FY2024 $1.1M$1.1M-4% 990 PDF
FY2023 $1.2M$1000K+119% 990 PDF
FY2022 Not on file
FY2021 $528K$599K 990 PDF

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Schedules filed Part IV

III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash

Not shown yet: ratings, outcomes, and peer benchmarks. A Form 990 doesn’t report them.

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Sources

Every figure above is drawn from these filings
Form 990 e-file (XML) · FY2025IRS
Classification, formation year, addressIRS Business Master File
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