Home › Erath County › 76401
Home insurance nonrenewals and declinations in ZIP 76401 (Stephenville, Erath County)
That's 5.5 nonrenewals per 1,000 active policies in 76401, close to the Texas figure of 4.8. By number of nonrenewals, 76401 ranks #359 of 1,922 Texas ZIP codes on this site.
Month by month
| Month (action effective) | Nonrenewals | Declinations | Cancellations |
|---|---|---|---|
| April 2026 | 13 | 127 | 176 |
| May 2026 | 27 | 53 | 236 |
| June 2026 | 16 | 67 | 265 |
Nonrenewals here went from 13 in April 2026 to 16 in June 2026 (+23%). Three months is a short window, so treat this as a snapshot, not a trend line.
Reasons insurers gave in 76401
The most-cited nonrenewal reason here was Insurer withdrawing from the market. For declined applications it was Exposure to loss: wildfire. 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 |
|---|---|---|
| Insurer withdrawing from the market | 56 | 56% |
| Other, insurer's action | 21 | 21% |
| Condition of property: other | 9 | 9.0% |
| At the policyholder's request | 8 | 8.0% |
| Increase in hazard | 2 | 2.0% |
| Agent no longer appointed with insurer | 2 | 2.0% |
Declined applications
| Reason cited | Notices citing it | Share of notices |
|---|---|---|
| Exposure to loss: wildfire | 59 | 33% |
| Claims history | 47 | 26% |
| Location of risk | 46 | 26% |
| Other, insurer's action | 12 | 6.7% |
| Condition of property: other | 11 | 6.1% |
| Exposure to loss: liability | 9 | 5.0% |
43% of declination notices here said aerial imagery was used (Texas: 50%).
Mobile homes: 2 mobile homeowner nonrenewals and 4 declinations here in Apr 2026–Jun 2026.
Got a notice for a home in 76401?
- 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
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.
Other ZIP codes in Erath County
76446 Dublin (9)
76433 Bluff Dale (2)
76402 Stephenville (0)
76463 Mingus (0)