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Home insurance nonrenewals and declinations in ZIP 78957 (Smithville, Bastrop County)
That's 1.7 nonrenewals per 1,000 active policies in 78957, lower than the Texas figure of 4.8. By number of nonrenewals, 78957 ranks #1081 of 1,922 Texas ZIP codes on this site.
Month by month
| Month (action effective) | Nonrenewals | Declinations | Cancellations |
|---|---|---|---|
| April 2026 | 2 | 32 | 36 |
| May 2026 | 2 | 35 | 30 |
| June 2026 | 1 | 33 | 46 |
Reasons insurers gave in 78957
The most-cited nonrenewal reason here was Other, insurer's action. For declined applications it was Exposure to loss: wildfire. 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 | 13 | 54% |
| Agent no longer appointed with insurer | 5 | 21% |
| Condition of property: other | 3 | 13% |
| Condition of property: maintenance, occupancy or vacancy | 2 | 8.3% |
| At the policyholder's request | 2 | 8.3% |
| Increase in hazard | 2 | 8.3% |
Declined applications
| Reason cited | Notices citing it | Share of notices |
|---|---|---|
| Exposure to loss: wildfire | 35 | 49% |
| Location of risk | 17 | 24% |
| Claims history | 9 | 13% |
| Condition of property: other | 9 | 13% |
| Other, insurer's action | 5 | 6.9% |
| Increase in hazard | 2 | 2.8% |
42% of declination notices here said aerial imagery was used (Texas: 50%).
Mobile homes: 0 mobile homeowner nonrenewals and 7 declinations here in Apr 2026–Jun 2026.
Got a notice for a home in 78957?
- 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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