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Home insurance nonrenewals and declinations in ZIP 78597 (South Padre Island, Cameron County)
That's 3.0 nonrenewals per 1,000 active policies in 78597, lower than the Texas figure of 4.8. By number of nonrenewals, 78597 ranks #729 of 1,922 Texas ZIP codes on this site.
Month by month
| Month (action effective) | Nonrenewals | Declinations | Cancellations |
|---|---|---|---|
| April 2026 | 3 | 59 | 39 |
| May 2026 | 8 | 86 | 34 |
| June 2026 | 8 | 75 | 42 |
Nonrenewals here went from 3 in April 2026 to 8 in June 2026 (+167%). Three months is a short window, so treat this as a snapshot, not a trend line.
Reasons insurers gave in 78597
The most-cited nonrenewal reason here was Other, insurer's action. For declined applications it was Exposure to loss: wind, hail or hurricane. 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 | 119 | 94% |
| Agent no longer appointed with insurer | 5 | 3.9% |
| Condition of property: roof | 1 | 0.8% |
| Condition of property: maintenance, occupancy or vacancy | 1 | 0.8% |
| Failure to pay premiums when due | 1 | 0.8% |
Declined applications
| Reason cited | Notices citing it | Share of notices |
|---|---|---|
| Exposure to loss: wind, hail or hurricane | 66 | 53% |
| Location of risk | 34 | 27% |
| Other, insurer's action | 24 | 19% |
| Claims history | 5 | 4.0% |
| Exposure to loss: insurer's concentration of risk | 4 | 3.2% |
| Condition of property: maintenance, occupancy or vacancy | 3 | 2.4% |
74% of declination notices here said aerial imagery was used (Texas: 50%).
Got a notice for a home in 78597?
- 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 Cameron County
78526 Brownsville (253)
78520 Brownsville (236)
78521 Brownsville (195)
78550 Harlingen (160)
78552 Harlingen (158)
78586 San Benito (108)
78566 Los Fresnos (81)
78559 La Feria (48)
78578 Port Isabel (32)
78575 Olmito (20)
78583 Rio Hondo (19)
78593 Santa Rosa (8)