Clearline Labs is not an insurance agent or agency and is not licensed to sell insurance. We don't sell, solicit or negotiate insurance, explain policy terms or give coverage advice. If you ask us to, we pass your request to one Texas-licensed independent insurance agency. We may be paid a flat referral fee that does not depend on whether you buy anything.

Home › Counties › Cameron County

Cameron County home insurance nonrenewals and declinations

1,339nonrenewals, Apr 2026–Jun 2026
4,152declined applications
3,968cancellations
87,786active policies, December 31, 2025

15.3 nonrenewals per 1,000 active policies (Texas: 4.8).

Each ZIP code is counted in the county that holds most of its land area (Census 2020 ZIP-to-county file), so county totals are approximate.

By month

Month (action effective)NonrenewalsDeclinationsCancellations
April 20263181,5901,410
May 20265131,2711,260
June 20265081,2911,298

Reasons for nonrenewal

Reason citedNotices citing itShare of notices
Other, insurer's action87040%
Insurer withdrawing from the market86240%
Failure to pay premiums when due1235.7%
Condition of property: other1085.0%
Exposure to loss: wind, hail or hurricane713.3%
Condition of property: roof653.0%

Reasons for declined applications

Reason citedNotices citing itShare of notices
Condition of property: other68031%
Location of risk65329%
Exposure to loss: wind, hail or hurricane37617%
Other, insurer's action24511%
Claims history2059.2%
Exposure to loss: insurer's concentration of risk1466.6%

ZIP codes

ZIPCityNonrenewalsDeclinationsPolicies
78526Brownsville25351313,821
78520Brownsville23644311,901
78521Brownsville19552612,581
78550Harlingen16053511,188
78552Harlingen1586359,444
78586San Benito1083806,162
78566Los Fresnos813244,558
78559La Feria481502,485
78578Port Isabel322575,637
78575Olmito20861,593
78583Rio Hondo19601,302
78597South Padre Island192206,410
78593Santa Rosa818546
78535Combes13108
78592Santa Maria1119
78567Los Indios0131

Got a notice?

  1. Find your policy end date and start shopping now. TDI says to have a new policy in place before your current one expires (TDI), and never to cancel a policy until you have the new one or a written statement of coverage (TDI shopping tips).
  2. Ask for the reason in writing. For declinations, cancellations and nonrenewals after January 1, 2026, the company must give you a written statement of why (TDI).
  3. Get sample rates on TDI's HelpInsure.com, then ask companies or a licensed independent agent for quotes (TDI). Check an agent's license with TDI's agent lookup or the TDI Help Line, 800-252-3439.
  4. If two companies turn you down, you may be able to buy through the Texas FAIR Plan, the state's home insurer of last resort (TDI). On the coast, wind and hail coverage may come from TWIA (TDI).
  5. If you think it was unfair, you can file a complaint with TDI.

Get free home insurance quotes from a licensed Texas agency

Clearline Labs is not an insurance agent or agency and is not licensed to sell insurance. We don't sell, solicit or negotiate insurance, explain policy terms or give coverage advice. If you ask us to, we pass your request to one Texas-licensed independent insurance agency. We may be paid a flat referral fee that does not depend on whether you buy anything.

Phone or email (at least one)

Free, no obligation. Prefer to shop yourself? Use TDI's HelpInsure.com for sample rates. See our privacy policy.

Data source: Texas Department of Insurance (TDI) reports required by House Bill 2067, published on the Texas Open Data Portal: policy actions by ZIP (actions effective April 2026 to June 2026, last updated October 1, 2026), reasons cited in notices (notices sent December 2025 to June 2026, last updated September 22, 2026) and active policy counts (as of December 31, 2025). Retrieved October 22, 2026. Figures are sums of TDI's rows; TDI's own lookup is here.