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Harris County home insurance nonrenewals and declinations

12,865nonrenewals, Apr 2026–Jun 2026
113,661declined applications
105,028cancellations
1,687,627active policies, December 31, 2025

7.6 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 20264,15238,94033,873
May 20264,61736,45734,988
June 20264,09638,26436,167

Reasons for nonrenewal

Reason citedNotices citing itShare of notices
Other, insurer's action9,97846%
Insurer withdrawing from the market5,70726%
Condition of property: other1,4116.5%
At the policyholder's request1,3066.1%
Condition of property: roof1,1005.1%
Failure to pay premiums when due9814.6%

Reasons for declined applications

Reason citedNotices citing itShare of notices
Exposure to loss: wind, hail or hurricane14,24229%
Location of risk9,64120%
Other, insurer's action9,57420%
Condition of property: other7,49315%
Value of home3,0876.3%
Exposure to loss: insurer's concentration of risk2,4605.1%

ZIP codes

ZIPCityNonrenewalsDeclinationsPolicies
77084Houston3842,75244,591
77449Katy3443,17254,488
77433Cypress3135,75556,299
77379Spring2342,84133,696
77077Houston2231,06830,125
77095Houston2232,02126,623
77429Cypress2213,23535,128
77070Houston2161,22224,006
77521Baytown2112,44126,429
77083Houston2091,35719,857
77450Katy2082,70726,387
77373Spring1982,11327,930
77493Katy1984,60442,872
77082Houston1801,14119,005
77388Spring1791,41121,253
77089Houston1781,68318,204
77346Humble1713,09231,901
77375Tomball1641,73129,211
77007Houston1621,32540,480
77042Houston16252916,800
77099Houston15451210,515
77072Houston15360912,387
77064Houston1501,09316,729
77063Houston14844513,915
77036Houston14532611,324
77396Humble1441,28518,130
77088Houston1381,07213,246
77015Houston13685411,828
77055Houston13580015,400
77080Houston13356913,516
77075Houston13258610,051
77057Houston13157319,098
77056Houston13046219,953
77034Houston1255678,577
77044Houston1251,79919,492
77054Houston12530213,514
77096Houston12586211,870
77536Deer Park1251,23710,634
77571La Porte1222,21715,465
77598Webster11787310,926
77062Houston1161,1359,038
77008Houston1151,07026,160
77338Humble1141,02814,602
77505Pasadena1087428,732
77040Houston10786214,663
77021Houston1045998,160
77502Pasadena1035387,233
77339Kingwood1021,08519,142
77045Houston1016538,537
77049Houston10198310,862
77090Houston10171111,047
77041Houston10095211,882
77073Houston10080113,102
77065Houston9877512,820
77004Houston9763117,158
77014Houston964809,918
77047Houston961,02612,765
77071Houston945478,067
77066Houston9289210,197
77025Houston8975713,710
77532Crosby891,85712,504
77018Houston8885815,640
77035Houston875359,498
77389Spring871,38017,985
77503Pasadena874155,249
77079Houston8688716,472
77009Houston8566414,489
77059Houston851,0846,633
77520Baytown841,0297,481
77006Houston8352619,165
77016Houston835917,308
77586Seabrook831,65514,323
77447Hockley821,43714,229
77019Houston8051224,262
77092Houston804259,546
77024Houston7495818,303
77530Channelview725635,626
77377Tomball711,49418,050
77086Houston694626,316
77005Houston6771114,337
77048Houston676077,003
77058Houston678397,793
77017Houston662425,313
77033Houston664835,314
77027Houston6327816,866
77038Houston633356,686
77043Houston6348911,570
77091Houston614717,462
77022Houston592225,231
77081Houston582116,722
77504Pasadena584365,404
77023Houston572375,738
77002Houston5616416,303
77345Kingwood561,11011,144
77020Houston542615,162
77012Houston50752,380
77061Houston502654,107
77098Houston5024213,240
77093Houston493044,519
77026Houston482733,703
77060Houston482074,510
77068Houston485175,687
77069Houston486369,490
77067Houston474017,820
77074Houston472666,146
77029Houston462223,108
77039Houston442333,715
77087Houston443175,182
77028Houston423804,495
77051Houston415445,084
77030Houston392599,290
77506Pasadena373014,005
77003Houston363085,693
77011Houston361032,670
77078Houston362493,065
77013Houston351172,437
77401Bellaire337746,623
77336Huffman316215,153
77587South Houston291562,143
77076Houston281814,444
77031Houston272203,664
77037Houston27922,287
77094Houston264194,202
77547Galena Park26681,498
77085Houston252754,603
77204Houston1814,427
77562Highlands134592,427
77032Houston111021,813
77050Houston586659
77046Houston3191,110
77010Houston15924
77507Pasadena026527

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.

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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.