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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Fort Bend County home insurance nonrenewals and declinations

2,208nonrenewals, Apr 2026–Jun 2026
39,840declined applications
19,587cancellations
321,956active policies, December 31, 2025

6.9 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 202672613,0976,270
May 202679712,7286,467
June 202668514,0156,850

Reasons for nonrenewal

Reason citedNotices citing itShare of notices
Other, insurer's action1,44446%
Insurer withdrawing from the market56318%
Agent no longer appointed with insurer39012%
Condition of property: other2518.0%
Condition of property: roof2086.6%
At the policyholder's request1805.7%

Reasons for declined applications

Reason citedNotices citing itShare of notices
Location of risk5,04531%
Exposure to loss: wind, hail or hurricane3,65622%
Other, insurer's action3,34320%
Value of home2,01112%
Condition of property: other1,5169.2%
Exposure to loss: insurer's concentration of risk1,0726.5%

ZIP codes

ZIPCityNonrenewalsDeclinationsPolicies
77494Katy3847,12158,517
77459Missouri City2635,71133,642
77479Sugar Land2284,19832,411
77407Richmond1953,28534,651
77469Richmond1763,54028,321
77406Richmond1734,04129,671
77441Fulshear1143,06819,212
77471Rosenberg1061,64413,678
77477Stafford10669614,299
77489Missouri City1011,57511,867
77498Sugar Land1011,41416,029
77053Houston786447,045
77478Sugar Land679299,769
77545Fresno581,2948,497
77461Needville484922,763
77417Beasley51611,095
77464Orchard3186
77451Kendleton23127
77444Guy014133
77476Simonton05128
77481Thompsons0415

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.