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Texas homeowners nonrenewal rates by county

Share of homeowners policies the insurer chose not to renew, by county and year, sorted by the most recent rate. The data comes from insurers representing roughly 65 percent of the market, aggregated by the U.S. Senate Budget Committee, and was released once, in December 2024; it will not update.

County201820192020202120222023
WINKLER0.78%0.93%0.00%n/an/a22.22%
THROCKMORTON8.62%4.69%1.54%1.32%0.00%6.59%
CONCHO0.99%0.00%0.00%1.63%1.47%4.05%
CHAMBERS0.32%0.50%0.34%0.55%0.72%3.34%
IRION1.09%0.00%1.02%0.00%0.81%3.20%
UPTON0.99%0.00%0.00%1.59%2.78%3.05%
KARNES1.06%0.70%1.32%0.92%1.47%2.62%
FALLS0.94%0.67%0.39%1.68%1.34%2.36%
HASKELL0.81%0.00%0.00%0.53%0.80%2.24%
ROBERTS2.08%0.00%4.35%0.00%0.00%2.13%
HUDSPETH0.00%0.00%0.00%0.00%0.00%2.08%
KENEDY / WILLACY0.93%0.62%0.45%1.54%1.22%2.00%
COLEMAN1.48%1.50%0.58%0.79%1.53%1.93%
SAN AUGUSTINE0.95%0.79%0.16%0.60%1.17%1.90%
OCHILTREE1.67%1.39%0.42%0.41%1.02%1.86%
RED RIVER0.24%0.93%0.58%0.91%1.58%1.85%
OLDHAM0.00%0.00%0.00%0.00%0.69%1.84%
PECOS1.30%0.93%0.87%1.24%1.60%1.82%
FRANKLIN1.12%0.51%0.28%0.40%0.90%1.78%
FRIO0.79%0.27%0.77%1.18%1.55%1.78%
MASON0.00%0.62%0.00%0.51%1.46%1.75%
HARDEMAN0.00%1.25%0.56%0.53%0.54%1.72%
BROOKS0.47%0.47%0.91%3.17%2.22%1.71%
DUVAL1.37%1.41%0.92%0.67%2.12%1.69%
REEVES1.02%0.40%0.76%1.83%2.07%1.68%
SHERMAN0.00%2.42%0.47%0.00%1.61%1.66%
REAL0.64%0.00%1.13%1.07%2.28%1.63%
SHACKELFORD0.38%1.45%1.08%2.05%1.59%1.63%
MCCULLOCH1.06%1.00%0.94%0.44%1.54%1.61%
CASTRO1.41%0.26%0.77%1.28%0.78%1.56%
HOWARD1.15%0.87%0.46%1.61%0.82%1.56%
STARR0.53%1.39%0.50%0.73%0.64%1.56%
ARANSAS0.61%0.47%0.56%0.79%1.13%1.54%
SHELBY1.18%0.63%0.68%1.20%1.18%1.49%
FORT BEND1.16%0.80%0.69%0.94%1.10%1.48%
LEE1.32%0.51%0.23%0.63%0.49%1.48%
FLOYD0.40%1.92%0.00%1.18%0.78%1.47%
GALVESTON0.79%0.68%0.44%0.56%1.21%1.47%
TERRY1.15%1.18%0.94%1.04%1.32%1.47%
JACK0.47%0.74%0.23%0.21%1.13%1.45%
JIM HOGG0.00%2.20%0.00%1.00%0.00%1.45%
MARION0.89%0.50%1.00%1.16%1.15%1.45%
UVALDE0.94%0.88%0.34%0.99%1.66%1.44%
MITCHELL2.07%1.64%1.30%1.81%2.04%1.43%
TERRELL0.00%1.69%0.00%3.12%0.00%1.43%
SOMERVELL1.15%0.55%0.70%1.11%0.15%1.41%
SWISHER1.00%0.61%1.03%1.02%0.84%1.41%
TYLER1.20%0.73%0.96%1.32%1.57%1.40%
MATAGORDA0.85%0.71%0.26%0.63%0.87%1.36%
CRANE1.29%0.00%0.75%1.72%1.36%1.35%
CORYELL0.68%0.53%0.45%1.07%0.72%1.33%
CROCKETT1.60%0.00%1.54%1.47%0.68%1.33%
KING / KNOX0.88%1.30%0.00%0.87%0.42%1.33%
ZAVALA2.42%0.71%1.64%0.65%0.63%1.33%
HEMPHILL0.73%0.00%0.68%0.65%2.00%1.32%
WOOD0.71%0.78%0.57%0.57%0.88%1.31%
RAINS0.50%0.57%0.54%0.83%1.43%1.29%
EASTLAND1.59%0.66%0.62%0.90%1.38%1.28%
BRAZORIA0.63%0.44%0.35%0.54%0.88%1.27%
CALHOUN0.85%0.62%0.64%1.51%1.13%1.27%
JACKSON1.79%0.57%0.36%0.85%1.33%1.25%
MORRIS1.51%1.03%0.44%0.64%1.58%1.25%
ATASCOSA1.41%1.13%0.49%0.86%0.96%1.24%
FREESTONE1.11%0.68%0.57%1.05%0.80%1.24%
CAMP0.34%0.63%0.38%0.58%1.04%1.23%
LAMB2.27%1.19%0.55%1.18%1.30%1.23%
YOUNG1.15%0.56%0.44%0.66%0.65%1.23%
GILLESPIE0.57%0.43%0.40%0.54%0.82%1.22%
HOUSTON0.74%0.62%0.66%0.51%1.10%1.22%
LEON0.90%0.66%0.21%0.51%0.81%1.22%
CASS1.02%0.43%0.73%0.75%0.98%1.21%
RUSK0.91%0.75%0.53%0.48%0.67%1.20%
ANDREWS0.76%0.58%0.62%0.98%1.39%1.19%
RUNNELS1.69%0.54%0.26%1.50%1.70%1.19%
WILBARGER0.69%1.05%0.66%0.63%0.72%1.19%
PANOLA0.96%0.52%0.39%0.64%1.15%1.18%
REAGAN0.79%0.81%0.00%0.00%2.00%1.18%
STEPHENS0.99%0.81%1.05%1.45%0.85%1.18%
MILAM0.84%0.35%0.24%1.24%1.44%1.17%
REFUGIO1.20%2.85%0.00%0.38%1.37%1.17%
HILL1.45%0.99%0.40%1.03%1.26%1.16%
UPSHUR0.59%0.71%0.53%0.75%0.95%1.15%
BRISCOE1.43%2.82%1.22%2.44%0.00%1.14%
TITUS0.62%0.87%0.59%0.87%0.94%1.14%
WHEELER0.61%2.93%0.50%0.90%0.77%1.14%
NAVARRO0.93%1.03%0.69%0.92%0.79%1.13%
BOSQUE1.53%0.60%0.81%0.94%1.28%1.12%
HALL1.81%0.60%0.58%0.55%2.23%1.12%
MAVERICK0.96%1.15%0.82%0.81%0.74%1.12%
MEDINA0.68%0.64%0.52%0.59%0.69%1.12%
ECTOR1.03%0.68%0.42%0.70%0.86%1.11%
HARRISON1.02%1.00%0.52%0.74%0.92%1.10%
CHILDRESS0.93%0.89%0.62%0.59%0.37%1.09%
BROWN1.19%0.58%0.46%0.76%0.99%1.08%
COLORADO0.73%0.73%0.58%1.16%0.88%1.08%
JASPER0.96%0.61%0.42%0.67%1.38%1.08%
PARMER0.53%1.03%0.50%0.97%1.11%1.07%
CULBERSON0.00%1.37%2.56%2.41%3.23%1.06%
GRAY1.55%0.88%0.38%0.89%0.72%1.06%
HARRIS0.99%0.65%0.55%0.88%0.91%1.05%
STONEWALL2.44%1.37%1.28%0.00%2.04%1.05%
TRINITY1.18%0.79%1.19%1.80%0.74%1.05%
DIMMIT0.84%1.36%0.27%1.04%1.79%1.03%
LIMESTONE1.04%0.48%0.30%0.83%0.98%1.03%
GOLIAD0.44%0.84%0.00%0.38%1.75%1.02%
KIMBLE1.60%0.31%0.30%0.28%0.28%1.02%
CROSBY0.85%0.86%0.42%0.38%1.10%1.01%
DEWITT1.55%0.98%0.42%2.63%1.05%1.01%
EL PASO0.84%0.77%0.49%0.63%0.79%1.01%
BELL0.63%0.53%0.43%0.55%0.71%1.00%
FANNIN0.49%0.40%0.42%0.47%0.85%0.99%
JIM WELLS1.01%0.95%0.29%0.91%1.04%0.99%
KERR0.77%0.81%0.43%0.72%0.69%0.99%
MADISON1.27%1.24%0.34%0.76%1.13%0.99%
BAILEY0.79%0.41%0.40%1.10%1.79%0.98%
DICKENS1.10%0.00%0.00%2.06%1.09%0.97%
GRIMES1.43%0.68%0.68%0.81%1.11%0.97%
BURNET0.35%0.45%0.48%0.63%0.73%0.96%
ANDERSON0.73%0.67%0.26%0.73%0.92%0.95%
FISHER0.00%0.00%0.00%1.39%0.00%0.95%
HENDERSON0.63%0.41%0.36%0.72%0.75%0.95%
HUNT0.88%0.56%0.49%0.72%0.79%0.95%
WALLER0.68%0.76%0.34%0.60%0.56%0.95%
ZAPATA0.79%1.01%0.60%1.59%1.58%0.95%
AUSTIN0.75%0.31%0.44%1.00%0.47%0.94%
BANDERA0.67%0.45%0.52%0.57%1.02%0.94%
KAUFMAN0.60%0.54%0.41%0.43%0.51%0.94%
HOPKINS0.64%0.94%0.21%0.68%0.88%0.93%
HUTCHINSON0.78%0.51%0.55%0.87%0.34%0.93%
BEXAR0.98%0.80%0.56%0.71%0.71%0.92%
MIDLAND0.69%0.51%0.37%0.51%0.38%0.92%
PALO PINTO0.65%0.44%0.52%0.64%1.47%0.92%
BLANCO0.35%0.56%0.70%0.88%0.84%0.91%
DELTA0.75%0.37%0.70%0.65%0.95%0.91%
HARTLEY1.59%0.00%0.00%0.98%0.00%0.91%
KENDALL0.76%0.60%0.59%0.75%0.68%0.91%
LIBERTY0.91%0.82%0.45%0.81%0.87%0.91%
ROBERTSON1.09%0.27%0.52%0.95%1.04%0.90%
NUECES0.82%1.88%0.28%0.57%1.00%0.89%
CALLAHAN0.44%0.44%0.44%1.23%0.96%0.88%
SAN SABA0.98%1.90%1.82%2.16%0.44%0.88%
HARDIN0.79%0.67%0.28%0.36%0.55%0.87%
PRESIDIO0.90%0.42%0.38%1.12%2.41%0.87%
SAN JACINTO0.77%0.92%0.55%0.92%1.12%0.87%
BASTROP0.80%0.63%0.41%0.60%0.64%0.86%
LAMPASAS0.31%0.52%0.20%0.49%1.13%0.86%
NOLAN0.42%0.25%0.57%1.10%0.86%0.86%
VAL VERDE0.89%0.91%0.69%1.17%0.95%0.86%
DONLEY0.56%1.68%0.00%0.49%0.87%0.85%
GONZALES0.98%0.85%0.35%0.56%0.66%0.85%
MCLENNAN0.62%0.89%0.40%0.61%0.64%0.85%
NACOGDOCHES0.64%0.52%0.31%0.80%0.78%0.85%
JEFFERSON0.99%0.86%0.46%0.55%0.79%0.84%
POTTER0.82%0.71%0.43%0.67%0.81%0.84%
HOOD0.70%0.71%0.42%0.61%0.52%0.83%
MOORE0.89%0.99%0.32%0.50%0.61%0.82%
CARSON0.87%0.84%0.62%0.43%0.57%0.80%
CHEROKEE0.98%0.79%0.49%0.61%0.85%0.80%
DALLAS0.78%0.58%0.44%0.60%0.55%0.80%
HALE0.91%1.12%0.66%1.34%1.36%0.80%
COOKE1.04%0.45%0.26%0.76%0.41%0.79%
WARD1.24%1.56%0.46%2.00%1.13%0.79%
BURLESON1.09%0.92%0.73%1.21%0.76%0.78%
GAINES0.67%0.38%0.21%0.66%0.79%0.78%
BREWSTER0.37%0.74%0.49%1.19%0.92%0.76%
COMANCHE0.92%0.75%0.29%0.96%0.95%0.76%
LLANO0.58%0.36%0.36%0.46%0.53%0.76%
MONTAGUE0.43%0.49%0.58%0.63%0.78%0.76%
POLK0.63%0.64%0.53%0.98%1.13%0.76%
FAYETTE0.58%0.55%0.99%0.52%1.19%0.74%
JEFF DAVIS0.47%0.46%0.00%0.82%0.76%0.73%
MONTGOMERY1.00%0.69%0.51%0.64%0.71%0.73%
SAN PATRICIO0.73%1.27%0.54%0.59%0.72%0.73%
LAVACA1.28%0.36%0.84%0.96%0.60%0.72%
WALKER1.24%0.79%0.54%0.66%0.39%0.72%
ANGELINA0.64%0.53%0.44%0.57%0.74%0.71%
BOWIE0.78%0.53%0.36%0.63%0.79%0.71%
KINNEY2.06%0.00%0.00%0.72%0.71%0.71%
DEAF SMITH0.85%0.80%0.32%0.99%0.72%0.70%
TOM GREEN0.58%0.47%0.34%0.66%0.46%0.70%
TRAVIS0.72%0.59%0.48%0.51%0.57%0.70%
WHARTON0.83%0.44%0.30%1.05%0.79%0.70%
HIDALGO0.55%0.45%0.39%0.64%0.57%0.69%
LOVING / WINKLERn/an/an/a1.91%1.37%0.69%
BEE1.35%1.39%0.67%1.75%1.20%0.68%
WICHITA0.80%0.58%0.38%0.75%0.50%0.68%
CALDWELL1.05%0.87%0.53%0.65%0.54%0.67%
HOCKLEY0.81%0.43%0.41%0.51%0.68%0.67%
VAN ZANDT0.64%0.64%0.35%0.74%0.56%0.67%
WASHINGTON1.46%0.39%0.37%0.55%0.85%0.67%
EDWARDS2.82%0.00%0.00%1.99%1.37%0.66%
MARTIN0.54%0.42%0.25%0.22%0.34%0.66%
WILSON0.90%0.40%0.50%0.62%0.47%0.66%
WILLIAMSON0.58%0.55%0.44%0.49%0.63%0.65%
GARZA0.43%0.00%1.50%0.71%0.66%0.64%
GREGG0.90%0.73%0.40%0.51%0.47%0.64%
SMITH0.57%0.50%0.32%0.54%0.60%0.64%
BORDEN / SCURRY0.76%0.55%0.53%0.83%0.79%0.63%
DAWSON0.87%1.01%0.32%1.62%1.54%0.63%
GRAYSON0.55%0.60%0.46%0.47%0.61%0.63%
LAMAR0.44%0.37%0.45%0.35%0.67%0.63%
ARCHER0.47%0.34%0.16%0.51%0.37%0.62%
COMAL0.46%0.32%0.31%0.69%0.64%0.62%
ROCKWALL0.55%0.41%0.21%0.39%0.38%0.62%
DALLAM1.08%0.33%0.85%0.62%0.74%0.61%
SABINE0.81%1.00%0.41%1.72%0.89%0.61%
TARRANT0.81%0.63%0.49%0.56%0.53%0.61%
CAMERON0.55%0.57%0.35%0.50%0.54%0.59%
CLAY0.53%0.51%0.50%0.75%0.95%0.59%
WEBB1.09%0.74%0.52%0.67%0.56%0.59%
MCMULLEN0.00%0.00%0.00%0.00%3.03%0.58%
HAYS0.46%0.51%0.28%0.41%0.45%0.56%
PARKER0.66%0.48%0.35%0.53%0.51%0.56%
COKE0.00%0.75%0.66%2.38%1.72%0.54%
DENTON0.77%0.47%0.38%0.54%0.45%0.54%
BAYLOR0.75%0.66%0.00%0.00%0.00%0.53%
BRAZOS0.52%0.42%0.31%0.54%0.64%0.53%
ELLIS0.69%0.43%0.38%0.41%0.33%0.53%
JONES0.42%0.37%0.41%0.74%0.91%0.53%
LUBBOCK0.50%0.52%0.38%0.44%0.37%0.53%
LIVE OAK0.83%0.61%0.40%1.10%0.52%n/a
TAYLOR0.59%0.42%0.42%0.53%0.56%0.52%
JOHNSON0.68%0.57%0.50%0.52%0.49%0.51%
ORANGE1.20%0.59%0.29%0.71%0.57%0.51%
COLLIN0.77%0.58%0.39%0.51%0.42%0.50%
GUADALUPE0.63%0.56%0.43%0.47%0.42%0.48%
HAMILTON0.97%0.47%0.42%0.76%1.71%0.48%
KLEBERG0.76%1.43%0.18%0.51%0.61%0.48%
ERATH0.35%0.39%0.51%0.47%0.77%0.46%
RANDALL0.41%0.54%0.32%0.40%0.41%0.45%
VICTORIA0.87%0.54%0.30%0.43%0.61%0.45%
SUTTON0.76%0.00%1.15%0.74%1.15%0.39%
WISE0.67%0.53%0.53%0.55%0.69%0.39%
MILLS0.51%0.52%0.00%0.43%1.18%0.37%
HANSFORD1.40%0.66%0.94%1.26%0.93%0.29%
SCHLEICHER0.81%0.38%0.70%0.00%0.30%0.29%
LYNN0.82%0.37%0.34%0.31%0.26%0.24%
NEWTON0.67%0.68%0.40%0.90%3.12%0.13%
ARMSTRONG0.00%1.46%0.45%0.00%0.43%0.00%
COCHRAN0.00%0.00%0.00%2.63%0.00%0.00%
COLLINGSWORTH0.00%0.00%1.60%0.00%0.00%0.00%
COTTLE0.00%0.00%0.00%0.00%1.85%0.00%
FOARD2.44%0.00%0.00%0.00%0.00%0.00%
GLASSCOCK0.00%0.00%0.00%0.00%0.00%0.00%
KENT1.61%1.37%1.37%2.47%4.05%0.00%
LA SALLE1.35%1.45%1.25%1.18%4.26%0.00%
LIPSCOMB0.65%0.00%0.00%0.00%1.75%0.00%
MENARD0.00%0.00%0.00%0.00%1.39%0.00%
MOTLEY0.00%2.04%0.00%0.00%2.04%0.00%
STERLING0.00%0.00%0.00%0.00%0.00%0.00%
YOAKUM0.92%0.00%0.00%1.84%1.23%0.00%

Source: U.S. Senate Budget Committee, "Next to Fall," December 2024. Aggregated across reporting insurers; no company-level breakdown exists in the release. A high rate means insurers pulled back in that county, not that any specific company did.