Clearline Labs is not an insurance agent or agency and is not licensed to sell insurance. We don't sell, solicit or negotiate insurance, explain policy terms or give coverage advice. If you ask us to, we pass your request to one Texas-licensed independent insurance agency. We may be paid a flat referral fee that does not depend on whether you buy anything.

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Denton County home insurance nonrenewals and declinations

1,350nonrenewals, Apr 2026–Jun 2026
17,441declined applications
28,641cancellations
454,014active policies, December 31, 2025

3.0 nonrenewals per 1,000 active policies (Texas: 4.8).

Each ZIP code is counted in the county that holds most of its land area (Census 2020 ZIP-to-county file), so county totals are approximate.

By month

Month (action effective)NonrenewalsDeclinationsCancellations
April 20264576,7699,057
May 20264974,8659,759
June 20263965,8079,825

Reasons for nonrenewal

Reason citedNotices citing itShare of notices
Other, insurer's action75834%
Insurer withdrawing from the market63628%
At the policyholder's request23911%
Condition of property: roof1878.3%
Agent no longer appointed with insurer1456.4%
Condition of property: other1396.2%

Reasons for declined applications

Reason citedNotices citing itShare of notices
Claims history3,29841%
Location of risk1,96824%
Other, insurer's action1,39817%
Value of home6257.7%
Exposure to loss: liability4425.5%
Inspection report not accepted3714.6%

ZIP codes

ZIPCityNonrenewalsDeclinationsPolicies
76227Aubrey1402,07039,408
75068Little Elm1182,07035,868
75007Carrollton10676122,956
75067Lewisville9663930,916
75056The Colony941,08136,418
76226Argyle781,16821,591
75077Highland Village6375418,254
76262Roanoke6196923,441
75010Carrollton5958418,337
75033Frisco5496423,062
76210Denton5379920,388
75028Flower Mound5280721,485
76247Justin5189115,169
76209Denton4526711,431
76266Sanger333946,594
75036Frisco3268814,165
76201Denton3211316,827
76208Denton3235112,669
75057Lewisville25987,653
76205Denton251639,434
76207Denton2536612,922
75022Flower Mound2255010,885
76258Pilot Point162804,232
75065Lake Dallas152445,606
76249Krum132044,225
76259Ponder101662,872
76203Denton007,206

Got a notice?

  1. 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).
  2. 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).
  3. 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.
  4. 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).
  5. If you think it was unfair, you can file a complaint with TDI.

Get free home insurance quotes from a licensed Texas agency

Clearline Labs is not an insurance agent or agency and is not licensed to sell insurance. We don't sell, solicit or negotiate insurance, explain policy terms or give coverage advice. If you ask us to, we pass your request to one Texas-licensed independent insurance agency. We may be paid a flat referral fee that does not depend on whether you buy anything.

Phone or email (at least one)

Free, no obligation. Prefer to shop yourself? Use TDI's HelpInsure.com for sample rates. See our privacy policy.

Data source: Texas Department of Insurance (TDI) reports required by House Bill 2067, published on the Texas Open Data Portal: policy actions by ZIP (actions effective April 2026 to June 2026, last updated October 1, 2026), reasons cited in notices (notices sent December 2025 to June 2026, last updated September 22, 2026) and active policy counts (as of December 31, 2025). Retrieved October 22, 2026. Figures are sums of TDI's rows; TDI's own lookup is here.