East Texas home insurance nonrenewals, including mobile homes
Across 27 Piney Woods counties around Tyler, Longview, Nacogdoches and Lufkin, insurers reported 1,593 nonrenewals (4.0 per 1,000 active policies; Texas: 4.8) and 13,543 declined applications for actions effective April 2026 to June 2026.
Mobile homes matter more here. Mobile homeowner policies are 6.3% of active residential policies in these counties, against 1.5% statewide. The highest shares: Shelby 17%, Newton 17%, San Augustine 16%, Trinity 15%. Insurers reported 251 mobile homeowner nonrenewals and 495 mobile homeowner declinations in these counties over the period.
Highest nonrenewal rates (counties with 1,000+ policies): Camp 7.2 per 1,000, Tyler 6.5 per 1,000, Jasper 6.3 per 1,000, Panola 6.0 per 1,000.
By county
| County | Active policies | Mobile home share | Nonrenewals | Per 1,000 | Declinations |
|---|---|---|---|---|---|
| Smith | 85,870 | 2.7% | 318 | 3.7 | 2,525 |
| Gregg | 50,022 | 2.2% | 184 | 3.7 | 1,273 |
| Henderson | 26,371 | 7.4% | 91 | 3.5 | 792 |
| Nacogdoches | 24,502 | 4.0% | 36 | 1.5 | 402 |
| Angelina | 24,169 | 6.2% | 90 | 3.7 | 612 |
| Harrison | 22,231 | 8.1% | 132 | 5.9 | 825 |
| Van Zandt | 18,849 | 7.2% | 111 | 5.9 | 782 |
| Cherokee | 18,821 | 7.2% | 58 | 3.1 | 743 |
| Wood | 16,637 | 6.9% | 57 | 3.4 | 781 |
| Polk | 12,976 | 10.0% | 60 | 4.6 | 606 |
| Anderson | 12,630 | 9.1% | 41 | 3.2 | 418 |
| Rusk | 11,299 | 8.4% | 43 | 3.8 | 469 |
| Jasper | 9,751 | 12% | 61 | 6.3 | 417 |
| Cass | 9,475 | 10% | 51 | 5.4 | 449 |
| Upshur | 9,413 | 8.8% | 37 | 3.9 | 544 |
| Titus | 7,118 | 4.1% | 22 | 3.1 | 183 |
| Panola | 5,814 | 14% | 35 | 6.0 | 156 |
| Houston | 5,118 | 9.9% | 21 | 4.1 | 167 |
| Tyler | 4,648 | 14% | 30 | 6.5 | 200 |
| Shelby | 4,557 | 17% | 16 | 3.5 | 158 |
| Camp | 4,166 | 6.0% | 30 | 7.2 | 275 |
| Trinity | 3,966 | 15% | 15 | 3.8 | 186 |
| Morris | 2,935 | 5.8% | 16 | 5.5 | 190 |
| Sabine | 2,912 | 15% | 12 | 4.1 | 98 |
| Marion | 2,347 | 12% | 7 | 3.0 | 90 |
| San Augustine | 2,180 | 16% | 10 | 4.6 | 90 |
| Newton | 2,122 | 17% | 9 | 4.2 | 112 |
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. Mobile home share = TDI policy type "mobile homeowners" divided by all active residential policies as of December 31, 2025.
Got a notice?
- 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).
- 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).
- 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.
- 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).
- If you think it was unfair, you can file a complaint with TDI.
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