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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McLennan County home insurance nonrenewals and declinations

339nonrenewals, Apr 2026–Jun 2026
1,970declined applications
5,714cancellations
97,323active policies, December 31, 2025

3.5 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 20261298371,706
May 20261095332,019
June 20261016001,989

Reasons for nonrenewal

Reason citedNotices citing itShare of notices
Other, insurer's action32041%
Insurer withdrawing from the market18123%
Condition of property: other8311%
At the policyholder's request445.7%
Condition of property: roof395.0%
Increase in hazard354.5%

Reasons for declined applications

Reason citedNotices citing itShare of notices
Claims history73442%
Exposure to loss: wildfire26115%
Other, insurer's action26015%
Location of risk24914%
Condition of property: other1478.5%
Exposure to loss: liability844.9%

ZIP codes

ZIPCityNonrenewalsDeclinationsPolicies
76706Waco6316923,970
76708Waco472129,968
76712Waco3624712,387
76705Waco353248,435
76710Waco331869,268
76707Waco25714,902
76643Hewitt22896,310
76655Lorena171714,678
76711Waco15373,545
76704Waco13381,998
76657Mc Gregor10693,987
76691West6661,811
76633China Spring51442,182
76624Axtell353594
76638Crawford346965
76630Bruceville210525
76640Elm Mott232624
76701Waco26604
76654Leroy0018
76798Waco00552

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.