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Home insurance nonrenewals and declinations in ZIP 78535 (Combes, Cameron County)
That's 9.3 nonrenewals per 1,000 active policies in 78535, higher than the Texas figure of 4.8. By number of nonrenewals, 78535 ranks #1461 of 1,922 Texas ZIP codes on this site.
Small numbers: with fewer than 30 actions in the period, a few households can swing these figures a lot.
Month by month
| Month (action effective) | Nonrenewals | Declinations | Cancellations |
|---|---|---|---|
| April 2026 | 0 | 1 | 0 |
| May 2026 | 1 | 2 | 2 |
| June 2026 | 0 | 0 | 2 |
Reasons insurers gave in 78535
The most-cited nonrenewal reason here was Other, insurer's action. For declined applications it was Exposure to loss: insurer's concentration of risk. 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 | 2 | 50% |
| Insurer withdrawing from the market | 1 | 25% |
| Failure to pay premiums when due | 1 | 25% |
Declined applications
| Reason cited | Notices citing it | Share of notices |
|---|---|---|
| Exposure to loss: insurer's concentration of risk | 1 | 100% |
100% of declination notices here said aerial imagery was used (Texas: 50%).
Got a notice for a home in 78535?
- 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 Cameron County
78526 Brownsville (253)
78520 Brownsville (236)
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78550 Harlingen (160)
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78586 San Benito (108)
78566 Los Fresnos (81)
78559 La Feria (48)
78578 Port Isabel (32)
78575 Olmito (20)
78583 Rio Hondo (19)
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