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Home insurance nonrenewals and declinations in ZIP 77659 (Sour Lake, Hardin County)
That's 12.5 nonrenewals per 1,000 active policies in 77659, higher than the Texas figure of 4.8. By number of nonrenewals, 77659 ranks #695 of 1,922 Texas ZIP codes on this site.
Month by month
| Month (action effective) | Nonrenewals | Declinations | Cancellations |
|---|---|---|---|
| April 2026 | 8 | 49 | 33 |
| May 2026 | 7 | 48 | 27 |
| June 2026 | 7 | 44 | 27 |
Nonrenewals here went from 8 in April 2026 to 7 in June 2026 (-13%). Three months is a short window, so treat this as a snapshot, not a trend line.
Reasons insurers gave in 77659
The most-cited nonrenewal reason here was Insurer withdrawing from the market. For declined applications it was Exposure to loss: wind, hail or hurricane. 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 | 15 | 60% |
| Condition of property: other | 3 | 12% |
| Agent no longer appointed with insurer | 3 | 12% |
| Other, insurer's action | 3 | 12% |
| Condition of property: roof | 1 | 4.0% |
| Condition of property: maintenance, occupancy or vacancy | 1 | 4.0% |
Declined applications
| Reason cited | Notices citing it | Share of notices |
|---|---|---|
| Exposure to loss: wind, hail or hurricane | 10 | 22% |
| Other, insurer's action | 9 | 20% |
| Claims history | 6 | 13% |
| Condition of property: other | 5 | 11% |
| Exposure to loss: wildfire | 5 | 11% |
| Location of risk | 4 | 8.7% |
76% of declination notices here said aerial imagery was used (Texas: 50%).
Mobile homes: 7 mobile homeowner nonrenewals and 8 declinations here in Apr 2026–Jun 2026.
Got a notice for a home in 77659?
- 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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