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Ellis County home insurance nonrenewals and declinations

409nonrenewals, Apr 2026–Jun 2026
3,104declined applications
4,974cancellations
86,508active policies, December 31, 2025

4.7 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 20261601,6791,679
May 20261476271,668
June 20261027981,627

Reasons for nonrenewal

Reason citedNotices citing itShare of notices
Other, insurer's action29938%
Insurer withdrawing from the market26734%
Agent no longer appointed with insurer526.5%
Condition of property: other516.4%
At the policyholder's request364.5%
Condition of property: maintenance, occupancy or vacancy303.8%

Reasons for declined applications

Reason citedNotices citing itShare of notices
Claims history97548%
Location of risk43221%
Other, insurer's action28414%
Condition of property: other954.7%
Exposure to loss: wildfire924.5%
Credit or insurance score834.1%

ZIP codes

ZIPCityNonrenewalsDeclinationsPolicies
75154Red Oak11181819,265
75165Waxahachie9095622,917
76065Midlothian8055921,835
75119Ennis6133410,728
75152Palmer21601,628
75167Waxahachie212475,605
75125Ferris16602,357
75101Bardwell3888
76064Maypearl216665
76651Italy231909
76041Forreston14110
76670Milford17340
76623Avalon0461

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.