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Smith County home insurance nonrenewals and declinations

318nonrenewals, Apr 2026–Jun 2026
2,525declined applications
5,328cancellations
85,870active policies, December 31, 2025

3.7 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.

Part of East Texas: compare all 27 Piney Woods counties, including mobile home policies.

By month

Month (action effective)NonrenewalsDeclinationsCancellations
April 20261101,0711,651
May 20261147311,833
June 2026947231,844

Reasons for nonrenewal

Reason citedNotices citing itShare of notices
Insurer withdrawing from the market15028%
Other, insurer's action14126%
Condition of property: other6312%
At the policyholder's request5410%
Agent no longer appointed with insurer519.6%
Increase in hazard448.2%

Reasons for declined applications

Reason citedNotices citing itShare of notices
Claims history88947%
Other, insurer's action32217%
Exposure to loss: wildfire31617%
Location of risk19410%
Inspection report not accepted814.3%
Condition of property: other804.2%

ZIP codes

ZIPCityNonrenewalsDeclinationsPolicies
75703Tyler7162124,188
75702Tyler461326,283
75701Tyler4523214,066
75707Tyler292377,029
75771Lindale283159,302
75762Flint231806,270
75791Whitehouse221516,074
75704Tyler12892,817
75706Tyler121322,448
75709Tyler9642,954
75708Tyler71011,527
75750Arp7901,224
75792Winona41161,115
75705Tyler265570
75711Tyler103

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.