Home › Jefferson County › 77708
Home insurance nonrenewals and declinations in ZIP 77708 (Beaumont, Jefferson County)
That's 6.9 nonrenewals per 1,000 active policies in 77708, higher than the Texas figure of 4.8. By number of nonrenewals, 77708 ranks #550 of 1,922 Texas ZIP codes on this site.
Month by month
| Month (action effective) | Nonrenewals | Declinations | Cancellations |
|---|---|---|---|
| April 2026 | 17 | 49 | 65 |
| May 2026 | 9 | 62 | 69 |
| June 2026 | 9 | 65 | 61 |
Nonrenewals here went from 17 in April 2026 to 9 in June 2026 (-47%). Three months is a short window, so treat this as a snapshot, not a trend line.
Reasons insurers gave in 77708
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 | 37 | 65% |
| Increase in hazard | 4 | 7.0% |
| Failure to pay premiums when due | 4 | 7.0% |
| Agent no longer appointed with insurer | 3 | 5.3% |
| Condition of property: other | 3 | 5.3% |
| At the policyholder's request | 2 | 3.5% |
Declined applications
| Reason cited | Notices citing it | Share of notices |
|---|---|---|
| Location of risk | 43 | 53% |
| Exposure to loss: wind, hail or hurricane | 11 | 14% |
| Claims history | 8 | 9.9% |
| Exposure to loss: insurer's concentration of risk | 6 | 7.4% |
| Exposure to loss: wildfire | 5 | 6.2% |
| Other, insurer's action | 3 | 3.7% |
56% of declination notices here said aerial imagery was used (Texas: 50%).
Mobile homes: 0 mobile homeowner nonrenewals and 4 declinations here in Apr 2026–Jun 2026.
Got a notice for a home in 77708?
- 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
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.
Other ZIP codes in Jefferson County
77706 Beaumont (105)
77627 Nederland (83)
77642 Port Arthur (67)
77619 Groves (58)
77705 Beaumont (57)
77707 Beaumont (57)
77651 Port Neches (53)
77640 Port Arthur (46)
77713 Beaumont (43)
77703 Beaumont (26)
77701 Beaumont (21)
77629 Nome (5)