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 › Hidalgo County

Hidalgo County home insurance nonrenewals and declinations

1,116nonrenewals, Apr 2026–Jun 2026
6,421declined applications
7,255cancellations
150,036active policies, December 31, 2025

7.4 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 20263702,6002,572
May 20263551,9072,351
June 20263911,9142,332

Reasons for nonrenewal

Reason citedNotices citing itShare of notices
Insurer withdrawing from the market35529%
Other, insurer's action30525%
Condition of property: other23720%
Failure to pay premiums when due1058.7%
Condition of property: roof746.1%
Agent no longer appointed with insurer705.8%

Reasons for declined applications

Reason citedNotices citing itShare of notices
Location of risk66126%
Condition of property: other65726%
Claims history62424%
Other, insurer's action26210%
Value of home1706.6%
Exposure to loss: wind, hail or hurricane1596.2%

ZIP codes

ZIPCityNonrenewalsDeclinationsPolicies
78504Mcallen13684118,934
78572Mission11979917,946
78542Edinburg11156511,018
78577Pharr9648511,864
78501Mcallen9541712,607
78541Edinburg653399,310
78596Weslaco603357,987
78574Mission583657,037
78539Edinburg5633710,279
78589San Juan522446,629
78573Mission453217,113
78516Alamo422385,200
78599Weslaco402484,628
78537Donna352174,410
78503Mcallen281394,165
78570Mercedes271763,445
78557Hidalgo16972,941
78538Edcouch15851,241
78543Elsa640761
78576Penitas645981
78560La Joya344768
78549Hargill1147
78562La Villa15165
78563Linn1550
78579Progreso16137
78595Sullivan City121310
78558La Blanca0448
78565Los Ebanos0215

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.