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  <xs:element id="twfg_ExtendedPeriodFollowingUncertaintyOnBeneficiary" abstract="false" name="ExtendedPeriodFollowingUncertaintyOnBeneficiary" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="twfg_TWFGIncMember" abstract="true" name="TWFGIncMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="twfg_VariousNoncontrollingInterestHoldersMember" abstract="true" name="VariousNoncontrollingInterestHoldersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="twfg_NoncontrollingInterestOwnershipPercentage" abstract="false" name="NoncontrollingInterestOwnershipPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="twfg_A2024OmnibusIncentivePlanMember" abstract="true" name="A2024OmnibusIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="twfg_IncentivePlan2024Member" abstract="true" name="IncentivePlan2024Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="twfg_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedNumberOfSharesSettled" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedNumberOfSharesSettled" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="twfg_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedNumberOfSharesNotSettled" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedNumberOfSharesNotSettled" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="twfg_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfTranches" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfTranches" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="twfg_DefinedContributionPlanRequisiteServicePeriod" abstract="false" name="DefinedContributionPlanRequisiteServicePeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="twfg_DefinedContributionPlanEligibleCompensationForDeferralPercent" abstract="false" name="DefinedContributionPlanEligibleCompensationForDeferralPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="twfg_TWICOMember" abstract="true" name="TWICOMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="twfg_EvolutionAgencyManagementLLCMember" abstract="true" name="EvolutionAgencyManagementLLCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="twfg_RFBSpousalLifetimeTrustMember" abstract="true" name="RFBSpousalLifetimeTrustMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="twfg_MCBSpousalLifetimeTrustMember" abstract="true" name="MCBSpousalLifetimeTrustMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="twfg_BunchFamilyHoldingsLLCMember" abstract="true" name="BunchFamilyHoldingsLLCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="twfg_PercentageOfCommissionPaid" abstract="false" name="PercentageOfCommissionPaid" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="twfg_LicenseFees" abstract="false" name="LicenseFees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="twfg_NumberOfSharesTransferredInThePeriod" abstract="false" name="NumberOfSharesTransferredInThePeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="twfg_ReportableSegmentMember" abstract="true" name="ReportableSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
