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 › Hardin County

Hardin County home insurance nonrenewals and declinations

198nonrenewals, Apr 2026–Jun 2026
1,081declined applications
967cancellations
17,778active policies, December 31, 2025

11.1 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 202662347336
May 202662302298
June 202674432333

Reasons for nonrenewal

Reason citedNotices citing itShare of notices
Insurer withdrawing from the market15455%
Other, insurer's action6523%
Condition of property: other2910%
Agent no longer appointed with insurer145.0%
Increase in hazard51.8%
Condition of property: roof51.8%

Reasons for declined applications

Reason citedNotices citing itShare of notices
Location of risk16431%
Claims history10420%
Condition of property: other8917%
Exposure to loss: wildfire7214%
Value of home5611%
Other, insurer's action489.0%

ZIP codes

ZIPCityNonrenewalsDeclinationsPolicies
77657Lumberton683908,207
77656Silsbee572604,232
77625Kountze371882,492
77659Sour Lake221411,764
77519Batson523188
77663Village Mills530582
77585Saratoga334177
77376Votaw1539
77374Thicket01097

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.