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Stories / #228

Where Texas homeowners are getting dropped

Cameron County: 22 nonrenewals per 1,000 policies, versus 5.0 statewide.

Body / subject: Texas homeowners insurance

Data / source: Texas Department of Insurance HB 2067 actions (data.texas.gov/d/m7yx-zxf2)

First published: date not yet reconciled · Retrieved Oct 8, 2026

Apr–Jun 2026 · indicative

First reporting months; indicative rather than an annual rate.

Editorial Texas map illustration with Cameron County highlighted. The source-derived ZIP map is in the full investigation.
Editorial illustration. See the source visual for the evidence.

1. Compare rates, not raw totals

Cameron County recorded 22 nonrenewals per 1,000 policies, compared with about 5.0 statewide.

Cameron County22.0
Texas5.0

Nonrenewals per 1,000 policies. Bars share a zero baseline. Apr–Jun 2026 reporting; indicative, not annualized.

2. Keep the denominator in view

The statewide comparison uses 31,074 owner-occupied nonrenewals reported for April–June against 6,274,886 policies in force on Dec 31, 2025. That is 4.95 per 1,000, rounded to 5.0.

The periods differ: this is a first-reporting comparison, not a same-period annual risk estimate.

3. Inspect the source map

The cover is an illustration. The full investigation contains the source-derived ZIP map, reporting reasons, policy counts and county detail. A high rate does not by itself identify its cause.

What you’re looking at

Owner-occupied homeowners nonrenewals effective April–June 2026, per 1,000 policies in force on December 31, 2025. The seven highest ZIPs with at least 2,000 policies are all in Cameron County. Hidalgo is near the state rate. These are the first reporting months, so the rates are indicative.

The question behind it

Show where insurers are declining to renew owner-occupied homeowners policies, and separate a Cameron County exit from a Valley-wide or purely coastal story.

Why it matters

A nonrenewal is the insurer ending the policy. In Cameron County, 46 percent of those notices say the insurer is leaving the market, against 15 percent statewide.

Open the full visualization

Sources & method

  • Texas Department of Insurance HB 2067 actions (data.texas.gov/d/m7yx-zxf2)
  • TDI policies in force by ZIP (data.texas.gov/d/vyxq-akit)
  • TDI reasons (data.texas.gov/d/3efz-d6qn)
  • Census 2020 ZCTAs and the ZCTA–county relationship file

Open the primary source

Method

Owner-occupied homeowners policies only (type 3). Nonrenewals (action 81) effective April–June 2026 divided by policies in force on December 31, 2025, times 1,000. Ranking threshold 2,000 policies; map threshold 500. First months of mandatory reporting, so indicative rather than an annual rate.

Coverage

Apr–Jun 2026 · indicative

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