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Home insurance nonrenewals and declinations in ZIP 78040 (Laredo, Webb County)
That's 6.6 nonrenewals per 1,000 active policies in 78040, higher than the Texas figure of 4.8. By number of nonrenewals, 78040 ranks #775 of 1,922 Texas ZIP codes on this site.
Month by month
| Month (action effective) | Nonrenewals | Declinations | Cancellations |
|---|---|---|---|
| April 2026 | 4 | 9 | 33 |
| May 2026 | 6 | 5 | 33 |
| June 2026 | 6 | 14 | 34 |
Nonrenewals here went from 4 in April 2026 to 6 in June 2026 (+50%). Three months is a short window, so treat this as a snapshot, not a trend line.
Reasons insurers gave in 78040
The most-cited nonrenewal reason here was Other, insurer's action. For declined applications it was Claims history. 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 | 9 | 45% |
| Condition of property: other | 4 | 20% |
| Insurer withdrawing from the market | 3 | 15% |
| Agent no longer appointed with insurer | 3 | 15% |
| Condition of property: roof | 2 | 10% |
| Exposure to loss: wind, hail or hurricane | 1 | 5.0% |
Declined applications
| Reason cited | Notices citing it | Share of notices |
|---|---|---|
| Claims history | 10 | 38% |
| Exposure to loss: liability | 4 | 15% |
| Location of risk | 4 | 15% |
| Condition of property: other | 3 | 12% |
| Credit or insurance score | 2 | 7.7% |
| Other, insurer's action | 2 | 7.7% |
35% of declination notices here said aerial imagery was used (Texas: 50%).
Got a notice for a home in 78040?
- 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 Webb County
78045 Laredo (170)
78046 Laredo (120)
78043 Laredo (46)
78041 Laredo (43)
78019 Encinal (0)
78344 Bruni (0)
78369 Mirando City (0)
78371 Oilton (0)