Where Texas homeowners are getting dropped

The high rates are Cameron County, not the whole Valley

Owner-occupied homeowners policies saw 31,074 nonrenewals effective April through June 2026, against 6,274,886 policies in force on December 31, 2025. That is 4.95 per 1,000, about 5.0 statewide. The monthly counts were 10,211, 10,662, and 10,201.

All seven ZIPs at the top of the ranking, among places with at least 2,000 policies in force, are in Cameron County. Brownsville 78520 is first: 197 nonrenewals on 7,729 policies, 25.5 per 1,000. Then San Benito 78586 (24.3), Brownsville 78526 (24.3), Brownsville 78521 (24.0), Los Fresnos 78566 (22.7), Harlingen 78552 (22.1), and Harlingen 78550 (19.2). Cameron County as a whole is 22.0 per 1,000. Hidalgo, the rest of the Valley’s population center, is 6.2, near the state rate.

The next cluster is Harris County, at 7.5 per 1,000. The highest ZIP there with at least 2,000 policies is 77099 in Alief, southwest Houston, at 18.7, tied with Pasadena 77503. Webster 77598 is 16.9. Other large-county rates: Nueces 8.5, Galveston 5.9, Bexar 4.7, Dallas 4.1, Travis 3.6.

In Cameron, 46 percent of homeowners nonrenewal notices cite the insurer withdrawing from the market, against 15 percent statewide and 4 percent in Harris. Coastal Port Isabel (4.0) and South Padre (4.7) are low, so the Cameron pattern is not simply hurricane exposure.

Method

The rate is owner-occupied homeowners nonrenewals (policy type 3, action 81) with effective dates April–June 2026, divided by type-3 policies in force on December 31, 2025, times 1,000. The ranking uses ZIPs with at least 2,000 policies. The map uses at least 500. ZIPs below that are hatched as too few to rate and are drawn as 2020 Census ZCTAs. Each ZIP’s county is its largest land overlap.

Caveats

These are the first months of mandatory HB 2067 reporting. Completeness and carrier compliance are not established, so treat the plate as indicative. Three months of actions over a year-end policy count is not an annual rate. Nonrenewal excludes a move inside the same insurance group. Cancellations are much larger and include people who asked to cancel, so they are not charted as “dropped.”

The reasons file is keyed by notice date and was refreshed on a different day: 32,547 homeowners nonrenewal notices versus 31,074 in the actions file. Multiple reasons per notice are allowed, so shares can sum past 100 percent. ZCTAs approximate USPS ZIPs. The 2,000 and 500 thresholds are judgment calls. Some smaller ZIPs run higher, including La Feria 78559 at 22.8 on 1,669 policies.

Sources

• TDI HB 2067 residential actions, data.texas.gov/d/m7yx-zxf2. Rows updated October 1, 2026.
• Policies in force by ZIP, data.texas.gov/d/vyxq-akit, as of December 31, 2025.
• Reasons, data.texas.gov/d/3efz-d6qn. Rows updated September 23, 2026. Reason letters from the TDI residential statistical plan, Section E.
• Census 2020 cartographic ZCTAs, 2023 counties, and the 2020 ZCTA–county relationship file. Retrieved October 8, 2026.