Named Storm Coverage? (La Porte/Houston area)

[Emily Powell]

Currently in contract on a SFH in La Porte, TX (Houston area) and trying to figure out the best insurance option. One company is quoting me about $1,000/year without named storm coverage or $2,000/year with. Named Storm Damage Deductible is $10,000 (which applies to wind or hail damage for a non-named storm as well) and $3,000 for all other perils. Other company quoted a $2,200 premium with $3,000 (2%) for non-named storm or $4,500 (3%) for named storm deductibles.

Advice or recommendations from folks familiar with these storm prone areas?