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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Montgomery County home insurance nonrenewals and declinations

1,410nonrenewals, Apr 2026–Jun 2026
13,511declined applications
17,016cancellations
299,059active policies, December 31, 2025

4.7 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 20264854,9595,392
May 20265124,0195,657
June 20264134,5335,967

Reasons for nonrenewal

Reason citedNotices citing itShare of notices
Other, insurer's action75337%
Insurer withdrawing from the market42021%
Condition of property: other21911%
At the policyholder's request1738.6%
Agent no longer appointed with insurer1417.0%
Condition of property: roof1216.0%

Reasons for declined applications

Reason citedNotices citing itShare of notices
Claims history1,40718%
Location of risk1,19716%
Exposure to loss: wildfire1,16415%
Value of home1,03714%
Condition of property: other88112%
Other, insurer's action87111%

ZIP codes

ZIPCityNonrenewalsDeclinationsPolicies
77386Spring1681,58627,013
77304Conroe10271422,866
77354Magnolia1011,08422,022
77365Porter9098616,775
77316Montgomery821,14519,183
77318Willis8249010,939
77357New Caney8193513,971
77356Montgomery8075218,316
77382The Woodlands7473722,151
77385Conroe7447712,424
77380The Woodlands6543117,636
77381The Woodlands5959415,343
77301Conroe5041013,351
77355Magnolia5069011,288
77302Conroe495189,117
77384Conroe4546619,620
77303Conroe434048,835
77378Willis334066,579
77372Splendora313424,740
77306Conroe291713,678
77362Pinehurst161552,814
77873Richards618398

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.