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Texas home insurance nonrenewals: statewide report

Covers residential property policies (homeowners, dwelling/rental, mobile home, condo, renters and private flood) with actions effective April 2026 to June 2026, plus the reasons insurers cited in notices sent December 2025 to June 2026.

By month

Month (action effective)NonrenewalsDeclinationsCancellations
April 202618,145179,276218,988
May 202619,303129,951229,368
June 202617,677145,628238,665

Statewide nonrenewals went from 18,145 in April 2026 to 17,677 in June 2026 (-3%). Three months is a short window, so treat this as a snapshot, not a trend line.

That's about 4.78 nonrenewals per 1,000 active policies over the period (55,125 ÷ 11,529,834 policies active on December 31, 2025).

Why insurers didn't renew

Reason citedNotices citing itShare of notices
Other, insurer's action42,77943%
Insurer withdrawing from the market23,00623%
Condition of property: other8,1408.2%
Agent no longer appointed with insurer6,5156.6%
At the policyholder's request6,0186.1%
Condition of property: roof5,3465.4%
Failure to pay premiums when due3,7363.8%
Increase in hazard2,9913.0%
Condition of property: maintenance, occupancy or vacancy2,1862.2%
Exposure to loss: liability1,3431.4%

A notice can list several reasons, so shares add up to more than 100%. "Other, insurer's action" covers things like an insurer no longer covering certain roof types, per TDI's reason definitions (TDI).

Why applications were declined

Reason citedNotices citing itShare of notices
Claims history61,58425%
Location of risk52,06221%
Other, insurer's action42,11517%
Exposure to loss: wind, hail or hurricane26,99611%
Exposure to loss: wildfire24,3409.9%
Condition of property: other20,2968.2%
Value of home14,5235.9%
Exposure to loss: liability8,1863.3%
Exposure to loss: insurer's concentration of risk5,8702.4%
Inspection report not accepted5,4682.2%

Aerial imagery and third-party data: 50% of declination notices and 7.4% of nonrenewal notices said aerial imagery was used. 71% of declination notices used other third-party information.

Mobile and manufactured homes

Mobile homeowner policies accounted for 1,950 nonrenewals and 5,268 declinations in Apr 2026–Jun 2026.

Most nonrenewals by ZIP

ZIPAreaNonrenewals, Apr 2026–Jun 2026Active policies
77084Houston, Harris County38444,591
77494Katy, Fort Bend County38458,517
77449Katy, Harris County34454,488
77433Cypress, Harris County31356,299
79936El Paso, El Paso County26742,563
77459Missouri City, Fort Bend County26333,642
77583Rosharon, Brazoria County25325,935
78526Brownsville, Cameron County25313,821
78520Brownsville, Cameron County23611,901
77379Spring, Harris County23433,696
78245San Antonio, Bexar County22943,438
77479Sugar Land, Fort Bend County22832,411
77077Houston, Harris County22330,125
77095Houston, Harris County22326,623
77573League City, Galveston County22359,948
77429Cypress, Harris County22135,128
77630Orange, Orange County2188,331
77070Houston, Harris County21624,006
77546Friendswood, Galveston County21426,834
77521Baytown, Harris County21126,429
78660Pflugerville, Travis County21063,629
77083Houston, Harris County20919,857
77450Katy, Harris County20826,387
77373Spring, Harris County19827,930
77493Katy, Harris County19842,872

Most declined applications by ZIP

ZIPAreaDeclinations, Apr 2026–Jun 2026Active policies
77494Katy, Fort Bend County7,12158,517
77433Cypress, Harris County5,75556,299
77459Missouri City, Fort Bend County5,71133,642
77493Katy, Harris County4,60442,872
77479Sugar Land, Fort Bend County4,19832,411
77406Richmond, Fort Bend County4,04129,671
77469Richmond, Fort Bend County3,54028,321
77407Richmond, Fort Bend County3,28534,651
77429Cypress, Harris County3,23535,128
77449Katy, Harris County3,17254,488
77583Rosharon, Brazoria County3,17125,935
77346Humble, Harris County3,09231,901
77441Fulshear, Fort Bend County3,06819,212
77379Spring, Harris County2,84133,696
77084Houston, Harris County2,75244,591
77450Katy, Harris County2,70726,387
75126Forney, Kaufman County2,61141,593
77521Baytown, Harris County2,44126,429
75052Grand Prairie, Dallas County2,43939,020
77573League City, Galveston County2,37159,948
77571La Porte, Harris County2,21715,465
75035Frisco, Collin County2,20939,648
77373Spring, Harris County2,11327,930
75071Mckinney, Collin County2,08153,474
75068Little Elm, Denton County2,07035,868

Highest nonrenewal rate (ZIPs with 1,000+ policies)

ZIPAreaNonrenewals per 1,000 policiesNonrenewalsPolicies
77630Orange, Orange County26.22188,331
77012Houston, Harris County21.0502,380
78520Brownsville, Cameron County19.823611,901
78559La Feria, Cameron County19.3482,485
78526Brownsville, Cameron County18.325313,821
78566Los Fresnos, Cameron County17.8814,558
78586San Benito, Cameron County17.51086,162
77461Needville, Fort Bend County17.4482,763
77547Galena Park, Harris County17.4261,498
77611Bridge City, Orange County16.8543,205
78552Harlingen, Cameron County16.71589,444
77503Pasadena, Harris County16.6875,249
77575Liberty, Liberty County16.6633,801
77437El Campo, Wharton County15.6462,951
78521Brownsville, Cameron County15.519512,581
77625Kountze, Hardin County14.8372,492
77029Houston, Harris County14.8463,108
77099Houston, Harris County14.615410,515
78583Rio Hondo, Cameron County14.6191,302
77034Houston, Harris County14.61258,577
77013Houston, Harris County14.4352,437
75169Wills Point, Van Zandt County14.3644,466
78550Harlingen, Cameron County14.316011,188
77502Pasadena, Harris County14.21037,233
77587South Houston, Harris County13.5292,143

Statewide: 4.78 per 1,000. See how we calculate this.

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.