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Home insurance nonrenewals and declinations in ZIP 76031 (Cleburne, Johnson County)
That's 6.0 nonrenewals per 1,000 active policies in 76031, higher than the Texas figure of 4.8. By number of nonrenewals, 76031 ranks #591 of 1,922 Texas ZIP codes on this site.
Month by month
| Month (action effective) | Nonrenewals | Declinations | Cancellations |
|---|---|---|---|
| April 2026 | 6 | 68 | 93 |
| May 2026 | 12 | 32 | 78 |
| June 2026 | 13 | 43 | 100 |
Nonrenewals here went from 6 in April 2026 to 13 in June 2026 (+117%). Three months is a short window, so treat this as a snapshot, not a trend line.
Reasons insurers gave in 76031
The most-cited nonrenewal reason here was Other, insurer's action. For declined applications it was Claims history. These come from notices sent December 2025 to June 2026; a notice can cite several reasons.
Nonrenewals
| Reason cited | Notices citing it | Share of notices |
|---|---|---|
| Other, insurer's action | 24 | 44% |
| Insurer withdrawing from the market | 19 | 35% |
| Failure to pay premiums when due | 3 | 5.5% |
| Condition of property: other | 3 | 5.5% |
| Agent no longer appointed with insurer | 2 | 3.6% |
| At the policyholder's request | 2 | 3.6% |
Declined applications
| Reason cited | Notices citing it | Share of notices |
|---|---|---|
| Claims history | 53 | 40% |
| Other, insurer's action | 22 | 16% |
| Location of risk | 17 | 13% |
| Exposure to loss: wildfire | 17 | 13% |
| Inspection report not accepted | 12 | 9.0% |
| Condition of property: other | 7 | 5.2% |
40% of declination notices here said aerial imagery was used (Texas: 50%).
Mobile homes: 0 mobile homeowner nonrenewals and 5 declinations here in Apr 2026–Jun 2026.
Got a notice for a home in 76031?
- 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.
More: what to do in the next 60 days · how to shop for coverage · your rights under Texas law
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Other ZIP codes in Johnson County
76028 Burleson (108)
76033 Cleburne (63)
76058 Joshua (47)
76009 Alvarado (44)
76084 Venus (31)
76044 Godley (16)
76059 Keene (8)
76050 Grandview (6)
76093 Rio Vista (4)
76061 Lillian (0)