Reviewed and approved by Samuel Corso, licensed Texas insurance agent.

Published October 8, 2026

Why home insurers decline, cancel, or nonrenew in your Texas ZIP code

This guide shows you how to find the Texas Department of Insurance (TDI) ZIP code tool, how to read its two reports, what each reason type means, where the data has a blind spot on roofs, and how to use it before you shop.

The short answer: TDI's ZIP code reasons page lets you enter a Texas ZIP code and see the reasons insurance companies gave for declining, canceling, or not renewing home policies in that area. It shows patterns for the area as a whole. It does not show what any one company will decide about your home.

What the TDI ZIP code tool is

The TDI ZIP code tool is a public webpage that shows why home insurance companies in Texas declined, canceled, or did not renew policies, grouped by ZIP code. TDI's news release dated September 23, 2026 says TDI launched the page that day.

According to that release, after you enter your ZIP code you can see the reasons companies gave in your area. The release says the page also shows the number of active policies and the counts of nonrenewals, cancellations, and declinations reported by companies.

The tool page explains how it is organized: "You can see reasons by ZIP code and policy type, not by insurance company." The policy types it lists include homeowners, dwelling, condo, mobile homeowners, tenants, and flood.

Where the data comes from

The data on the TDI ZIP code tool comes from reports insurance companies send to TDI. The tool page says a Texas law passed in 2025 has companies tell you in a written notice why they declined, did not renew, or canceled your home or auto insurance.

The same page says companies also send TDI a report summarizing the reasons in those notices, and TDI posts a summary of the reports on its website. The ZIP code tool is that summary.

How to read the two reports

The data is split into two reports, one for reasons and one for actions. Knowing which one you are looking at keeps you from reading a reason count as a policy count.

Reasons cited in notices

The reasons report on the TDI tool shows how many times each reason was used, alone or alongside other reasons. The tool page says a company could use more than one reason for a single policy. It adds that the reasons report is not the total number of declinations, nonrenewals, and cancellations.

In practice, if you add up every reason in a ZIP code, the total can be higher than the number of policies affected.

Actions

The actions report on the TDI tool shows how many policies insurance companies declined, did not renew, or canceled. The tool page defines the three actions this way, in plain terms:

• Declination. The company did not approve your insurance application.
• Nonrenewal. The company did not continue your policy after its end date.
• Cancellation. The company stopped your policy before its end date.

What the reason types mean

Each reason type on the TDI ZIP code tool is a category a company picks when it declines, cancels, or does not renew a policy. The descriptions below are plain-language summaries of the reason types listed on TDI's tool page.

• Claims history. The company looked at past claims, including how many were filed and how much they cost in the past few years, and decided the risk was too high.
• Condition of property. The reason relates to the property itself. TDI's examples include defensible space, maintenance, occupancy or vacancy issues, roof condition, and tree overhang.
• Credit or insurance score. The company used the policyholder's or applicant's credit score. TDI's tool page adds: "If credit or insurance score is a reason, there must also be another reason listed."
• Exposure to loss. TDI splits this into separate reasons. Wildfire and wind, hail, or hurricane cover exposure to those risks. Insurer's concentration of risk means the company is not selling or renewing because it has too much exposure in an area or line of insurance.
• Failure to pay premiums when due. The policyholder did not pay the premium on time.
• Insurer withdrawing from the market. TDI's page says the company filed a withdrawal plan with TDI that has been approved, and no other reason can be listed with it.
• Location of risk. The company does not sell policies in certain areas. TDI's page says companies use this one when none of the exposure to loss reasons apply.
• Value of home. The property is above the limit in the company's underwriting guidelines.
• Other, insurer's action. A catch-all. TDI's page says it covers things like a fraudulent claim, unpaid membership dues the company requires, or any reason not otherwise listed.

The page lists a few more reason types, such as an agent no longer appointed with an insurer and a request by the policyholder. You can open the full list on the tool page.

The blind spot: roof-type refusals

Roof-type refusals may not appear where you would expect on the TDI ZIP code tool, because of how TDI tells companies to code one kind of roof decision. Under the condition of property reason, the tool page gives this instruction:

If a company declined or didn't renew a policy because it doesn't cover certain types of roofs, the reason should be coded as "Other, Insurer's Action" instead.

That means a refusal over the type of roof is meant to show up under the catch-all category, not under condition of property. Roof condition still sits under condition of property, according to the same page.

A low count of roof-related reasons in your ZIP code does not rule out roof-type refusals in your area, because those may be counted under other, insurer's action instead. If you are not sure whether companies cover your type of roof, ask about roof type directly when you get quotes. Our guide on being denied home insurance in Texas covers what to do if a company says no.

Dates and update schedule

The dates for the TDI ZIP code tool come from two TDI pages. As of October 2026, here is what each page says.

• Start of reporting. The tool page says reporting started April 1, 2026. It also includes reasons from notices sent before that date for policies nonrenewing on or after it.
• Update schedule. TDI's news release says TDI will update the page at least quarterly. The tool page says: "The reports are updated when TDI receives new data."
• Auto insurance. The news release says TDI plans to expand the resource later in 2026 with auto insurance insights. The tool page's title already names both home and auto policies.

Because the data changes, check the reporting period you select on the tool before you draw conclusions.

What the tool does not tell you

The TDI ZIP code tool shows what insurers did in your area in total, not what any one insurer did. Its limits:

• It cannot tell you which companies are declining or not renewing in your ZIP code.
• It does not predict how any one application will go.
• It does not give you a right to a policy or a particular outcome.
• A reason that shows up in your area may have nothing to do with your home.

How to use the tool when you shop

The TDI ZIP code tool can help you prepare before you shop for home insurance in Texas, so you know what area-level reasons TDI reports.

1. Check your ZIP code first. Open the tool page, pick your ZIP code and policy type, and look at both reports. Note which reasons show up in your area, such as wildfire or wind and hail exposure.
2. Read your own notice before the area data. If you were declined or not renewed, the tool page says companies tell you why in a written notice. The tool shows area patterns, while your notice shows the reason for your own policy. Our guides on home insurance non-renewal in Texas and home insurance canceled in Texas walk through the next steps.
3. Gather the details a company may ask about. If condition of property or value of home shows up in your area, have your roof age, repair records, and home details ready.
4. Compare more than one company. If one company has pulled back in your area, others may still write policies there. A licensed agency can quote several carriers at once, though no one can promise an offer.

If you have a question about the tool or a notice, TDI's tool page lists the TDI Help Line at 800-252-3439.

Key facts

• TDI launched the tool on September 23, 2026. TDI's news release says the page shows reasons by ZIP code, plus active policy counts and counts of nonrenewals, cancellations, and declinations reported by companies.
• TDI shows the data by area, not by company. TDI's tool page says reasons are shown by ZIP code and policy type, not by insurance company.
• TDI says reasons are not a policy count. TDI's tool page says a company could use more than one reason per policy, so the reasons report is not the total number of actions.
• TDI says credit cannot be the only reason. TDI's tool page says that if credit or insurance score is a reason, another reason must also be listed.
• TDI instructs companies to code roof-type refusals under the catch-all. TDI's tool page says a decision based on not covering certain types of roofs should be coded as other, insurer's action, not condition of property.
• Reporting started April 1, 2026. TDI's tool page says so and notes it updates the reports when TDI receives new data; TDI's news release says TDI will update the page at least quarterly. Facts checked as of October 2026.

Sources: Texas Department of Insurance, Reasons home and auto insurance policies are declined, not renewed, or canceled and TDI launches new transparency tool showing why some home policies are declined, canceled, or not renewed.

Take the next step

Checking your ZIP code on the TDI tool takes a few minutes and shows the area-level reasons TDI has reported. Pair that with the reason on any notice you have received before you start getting quotes.

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