After four straight years of double-digit rate hikes, Texas carriers are quietly walking away from whole ZIP codes. RenewalRadar scores every Texas ZIP and county for non-renewal pressure, so agents, lenders and investors see the drop-off coming, not the aftermath.
Whether you write the policy, lend against the house, or own the asset, you lose when a ZIP stops being insurable — and today you find out last.
Built on public Texas Dept. of Insurance filings, U.S. Treasury FIO ZIP-code data, and the new HB 2067 disclosures. From Code & State.
A live, hands-on demo of the scoring. Search a ZIP, city or county and read its non-renewal pressure. The figures are illustrative samples, the method is real.
The scoring method is built on real, published data — the U.S. Treasury FIO ZIP-code dataset (246M policies, 2018–2022) and TDI rate filings. The per-ZIP figures below are illustrative until the live Texas file ships.
Look up any Texas ZIP or county for its non-renewal pressure. Sample data — illustrative, shown to demonstrate the scoring. Not real TDI figures. The method behind it is built on the real published FIO and TDI data cited in the methodology below.
Showing 16 of 16 sample ZIPs · 5 at Severe, 13 at Elevated or hotter.
77550 · Galveston
Galveston County · Coastal wind & storm surge
78382 · Rockport
Aransas County · Coastal wind (Harvey corridor)
78418 · Corpus Christi
Nueces County · Coastal wind
77414 · Bay City
Matagorda County · Coastal flood & wind
77590 · Texas City
Galveston County · Coastal & petrochemical corridor
77002 · Houston
Harris County · Urban flood
77494 · Katy
Fort Bend County · Reservoir & flash flood
78130 · New Braunfels
Comal County · Flash-flood alley & hail
78028 · Kerrville
Kerr County · Hill Country flood & wildfire WUI
79101 · Amarillo
Potter County · Panhandle hail & wind
76108 · Fort Worth
Tarrant County · Hail alley
75024 · Plano
Collin County · Hail alley
79601 · Abilene
Taylor County · Hail & straight-line wind
75201 · Dallas
Dallas County · Urban hail (mixed stock)
78741 · Austin
Travis County · Localized flash flood
79912 · El Paso
El Paso County · Low catastrophe exposure
How the tiers read
Sample figures are illustrative and do not represent any carrier or the Texas Department of Insurance. The live product is built on the disclosures insurers must file with TDI under HB 2067 (see methodology below).
80%
That is the U.S. Treasury's own finding across 246 million homeowners policies (2018–2022). Non-renewal is not evenly spread. It concentrates, ZIP by ZIP, and a statewide rate chart hides exactly where. Your book, your borrowers and your assets live in specific ZIPs, so that is where you need to be watching.
Drop in the ZIPs and counties you write, lend against, or own in. RenewalRadar scores each one for non-renewal pressure, so a 400-policy book becomes a single watchlist instead of 400 renewal dates.
Coastal wind, hail alley, flood and wildfire pressure land differently two ZIPs apart. We score at the ZIP and county level, built on the public TDI and FIO data, so you see where carriers are actually pulling back.
Texas law gives a homeowner as little as 30 to 60 days' notice before a policy lapses. RenewalRadar flags a heating ZIP quarters ahead, so you line up replacement markets before your client, borrower or asset is exposed.
Non-renewal pressure was always real, but it was invisible: buried in per-carrier decisions and slow filings. Two things changed that.
The U.S. Treasury's Federal Insurance Office, with the NAIC, assembled ZIP-code-level data on 246 million homeowners policies. Non-renewal rates ran 80% higher in the highest-risk ZIPs than the lowest.
Statewide average homeowners rates rose 10.8%, 21.1%, 18.7%, then 4.3% (TDI). Premiums had already climbed about 57% from 2015 to 2023 (Office of Public Insurance Counsel).
Treasury released the first comprehensive federal read on where coverage is getting more expensive and harder to keep, aggregated to the ZIP code.
Texas insurers must now give a written reason for every decline, cancellation and non-renewal, then file summaries with TDI, which “will combine the information and post it online.” For the first time, the drop-off is trackable.
The Texas market is under real stress: roughly 8.2 million homeowners policies, and a 2023 combined ratio of 105.1%, meaning carriers paid out more than they took in (TDI). RenewalRadar turns the public disclosure stream into an early-warning system you can actually act on.
RenewalRadar is not a black box, and it is not scraped guesses. It blends the public, named sources below. The lookup above uses clearly-labelled sample figures until the full live file ships.
For applications and policies dated on or after January 1, 2026, Texas insurers must give a written reason for every declination, cancellation and non-renewal, and file summaries of those reasons with the Texas Department of Insurance at least once a quarter. TDI is rolling the program out in three phases — Phase 1 covers residential property and private passenger auto — and will “combine the information and post it online” without naming individual insurers (Commissioner's Bulletin B-0008-25, July 18, 2025). The statistical-plan rules that set the reporting format are still being adopted through 2026, so the first aggregated non-renewal data is expected to post after the initial quarterly cycles complete, in late 2026 into 2027. Until it does, there is no public per-ZIP Texas non-renewal figure — which is exactly why the lookup above is labelled a sample.
TDI: know why your policy was declined →Released January 16, 2025 with the NAIC and downloadable as the “Supporting Underlying Metrics” workbook: 246 million policies aggregated to the ZIP code (2018–2022), about 80% of the U.S. homeowners market. Nationally it found non-renewal rates roughly 80% higher in the highest-risk ZIPs. One honest limit we checked in the file itself: its non-renewal and cancellation fields are not populated for Texas ZIP codes — only the premium and loss metrics are — so it anchors the national signal and Texas premium context, not a live per-Texas-ZIP non-renewal rate. Closing that Texas gap is precisely the job of the HB 2067 filings above.
Treasury: FIO homeowners insurance report →In June 2026 TDI put its home data online: average annual premiums in every Texas county (2019–2025), homeowners losses paid by county, and searchable rate filings. That is county-level premium and loss data, not non-renewal data — but layered with the statewide rate history (10.8% / 21.1% / 18.7% / 4.3% across 2022–2025) and catastrophe exposure by peril (coastal wind, hail, flood, wildfire), it is the real market-stress context the scoring reads until the HB 2067 non-renewal stream lands.
TDI: Texas homeowners market overview →We're building the Texas file now, in step with the HB 2067 rollout. Join the founding list and you help shape it, get in before public pricing, and pay nothing until it ships.
Planned at launch: $29/mo for a single metro, $49/mo statewide. Early-access members lock the founding rate.
Who's building this
RenewalRadar is built by Merrowby, the venture-studio brand of Code & State, a startup studio that builds agent-operated businesses and ships real compliance and ops tooling. We don't sell policies, take carrier commissions, or place coverage — so our only job is to read the public non-renewal signal accurately and tell you straight.
Claim your founding-list spot.
Tell us where you write, lend or invest. You'll be first in line the moment the live Texas radar ships, before public pricing — and there's no charge until it does.
Indicative, not underwriting, legal or lending advice. From Code & State.
The raw material is public, and that's the point. But it's fragmented: a 2018–2022 national FIO snapshot here, TDI rate filings there, and the HB 2067 disclosures rolling out through 2026. None of it is mapped to your specific book, and none of it pushes you an alert when one of your ZIPs turns. RenewalRadar's job is the aggregation, the your-book mapping, and the monitoring. The free sources are the inputs, not the product.
No, and we label them plainly. The lookup uses illustrative sample figures for 16 Texas ZIPs to show how the scoring reads, not live carrier or TDI data. The live product is built on the public sources in the methodology section, and we will never publish invented numbers as real TDI data. If we can't verify it, we don't score it.
Independent P&C agents watching non-renewal risk across a whole book, mortgage lenders checking whether collateral will stay insurable, and real-estate investors underwriting carrying costs before they buy. If you care whether coverage will still be available and affordable at the next renewal, it's for you.
No honest tool can. Carriers decide policy by policy on their own criteria. What we do is flag the ZIPs and counties where pressure is building early, so you can line up replacement markets before the 30 to 60 day non-renewal notice lands on your client's doormat.
No. It's an early-warning signal, marked indicative throughout. Use it to prioritise which areas and clients need attention. Make the actual coverage, pricing, and lending calls with the carrier and your own diligence.
Texas has the sharpest signal in the country right now: four straight years of double-digit rate increases and, from January 2026, a first-of-its-kind mandate that puts non-renewal reasons on the public record. Other high-stress markets like Florida, California and Louisiana are the natural next states, and early-access members help set the order.
You're on the founding list. When the Texas file goes live you get every ZIP and county scored and the full methodology. Scores are rescored every quarter as new TDI filings post, and we alert you the day a ZIP you write crosses into a hotter tier, not on a quarterly lag. It's pre-launch, so you're shaping what we build, and there's no charge until it ships.
Join the founding list for the Texas radar. Every ZIP scored, an alert the week a ZIP you write crosses into a hotter tier, and the full methodology. Nothing to pay until it ships.