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Home insurance nonrenewals and declinations in ZIP 77703 (Beaumont, Jefferson County)
That's 7.5 nonrenewals per 1,000 active policies in 77703, higher than the Texas figure of 4.8. By number of nonrenewals, 77703 ranks #653 of 1,922 Texas ZIP codes on this site.
Month by month
| Month (action effective) | Nonrenewals | Declinations | Cancellations |
|---|---|---|---|
| April 2026 | 8 | 29 | 61 |
| May 2026 | 9 | 37 | 59 |
| June 2026 | 9 | 38 | 36 |
Nonrenewals here went from 8 in April 2026 to 9 in June 2026 (+13%). Three months is a short window, so treat this as a snapshot, not a trend line.
Reasons insurers gave in 77703
The most-cited nonrenewal reason here was Other, insurer's action. For declined applications it was Location of risk. These come from notices sent December 2025 to June 2026; a notice can cite several reasons.
Nonrenewals
| Reason cited | Notices citing it | Share of notices |
|---|---|---|
| Other, insurer's action | 53 | 73% |
| Failure to pay premiums when due | 6 | 8.2% |
| Insurer withdrawing from the market | 5 | 6.8% |
| Condition of property: roof | 5 | 6.8% |
| Condition of property: other | 4 | 5.5% |
| At the policyholder's request | 1 | 1.4% |
Declined applications
| Reason cited | Notices citing it | Share of notices |
|---|---|---|
| Location of risk | 27 | 57% |
| Other, insurer's action | 6 | 13% |
| Exposure to loss: liability | 5 | 11% |
| Exposure to loss: insurer's concentration of risk | 4 | 8.5% |
| Value of home | 3 | 6.4% |
| Exposure to loss: wind, hail or hurricane | 3 | 6.4% |
66% of declination notices here said aerial imagery was used (Texas: 50%).
Got a notice for a home in 77703?
- 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.
More: what to do in the next 60 days · how to shop for coverage · your rights under Texas law
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Other ZIP codes in Jefferson County
77706 Beaumont (105)
77627 Nederland (83)
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77619 Groves (58)
77705 Beaumont (57)
77707 Beaumont (57)
77651 Port Neches (53)
77640 Port Arthur (46)
77713 Beaumont (43)
77708 Beaumont (35)
77701 Beaumont (21)
77629 Nome (5)