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Nacogdoches County home insurance nonrenewals and declinations
36nonrenewals, Apr 2026–Jun 2026
402declined applications
1,146cancellations
24,502active policies, December 31, 2025
1.5 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) | Nonrenewals | Declinations | Cancellations |
|---|---|---|---|
| April 2026 | 12 | 165 | 286 |
| May 2026 | 14 | 93 | 436 |
| June 2026 | 10 | 144 | 424 |
Reasons for nonrenewal
| Reason cited | Notices citing it | Share of notices |
|---|---|---|
| Other, insurer's action | 50 | 48% |
| Condition of property: other | 12 | 11% |
| At the policyholder's request | 11 | 10% |
| Insurer withdrawing from the market | 9 | 8.6% |
| Increase in hazard | 8 | 7.6% |
| Agent no longer appointed with insurer | 5 | 4.8% |
Reasons for declined applications
| Reason cited | Notices citing it | Share of notices |
|---|---|---|
| Claims history | 108 | 30% |
| Exposure to loss: wildfire | 102 | 28% |
| Location of risk | 60 | 17% |
| Other, insurer's action | 50 | 14% |
| Condition of property: other | 41 | 11% |
| Value of home | 15 | 4.1% |
ZIP codes
| ZIP | City | Nonrenewals | Declinations | Policies |
|---|---|---|---|---|
| 75965 | Nacogdoches | 17 | 97 | 6,993 |
| 75961 | Nacogdoches | 10 | 118 | 10,484 |
| 75964 | Nacogdoches | 4 | 100 | 4,500 |
| 75760 | Cushing | 2 | 12 | 612 |
| 75946 | Garrison | 2 | 32 | 809 |
| 75944 | Etoile | 1 | 18 | 447 |
| 75937 | Chireno | 0 | 8 | 264 |
| 75943 | Douglass | 0 | 17 | 393 |
Got a notice?
- 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).
- 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).
- 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.
- 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).
- If you think it was unfair, you can file a complaint with TDI.
Get free home insurance quotes from a licensed Texas agency
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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.