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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Lubbock County home insurance nonrenewals and declinations

625nonrenewals, Apr 2026–Jun 2026
3,547declined applications
7,310cancellations
127,169active policies, December 31, 2025

4.9 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 20261801,8582,120
May 20262367802,522
June 20262099092,668

Reasons for nonrenewal

Reason citedNotices citing itShare of notices
Insurer withdrawing from the market41342%
Other, insurer's action16016%
At the policyholder's request12913%
Condition of property: other818.3%
Agent no longer appointed with insurer798.1%
Increase in hazard495.0%

Reasons for declined applications

Reason citedNotices citing itShare of notices
Claims history1,19846%
Other, insurer's action65525%
Credit or insurance score48819%
Location of risk26910%
Condition of property: maintenance, occupancy or vacancy1877.2%
Value of home1054.0%

ZIP codes

ZIPCityNonrenewalsDeclinationsPolicies
79424Lubbock1481,64126,712
79423Lubbock12847722,762
79416Lubbock7723218,119
79413Lubbock441358,517
79414Lubbock43968,206
79412Lubbock28833,695
79382Wolfforth272244,769
79403Lubbock251013,735
79415Lubbock22929,811
79411Lubbock19582,053
79404Lubbock16652,257
79410Lubbock15684,170
79363Shallowater12742,195
79401Lubbock8186,133
79329Idalou6531,172
79364Slaton51051,900
79366Ransom Canyon223565
79350New Deal02106
79402Happy002
79406Lubbock00290

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.