Homeowners insurance availability in Texas
Texas premiums are among the fastest-rising in the country, driven by hail and wind losses, though 2023 federal data ranked its statewide non-renewal rate lower than coastal crisis states.
Carrier availability
We track verified changes to who is writing new homeowners business. A carrier listed as steady has no disruption on record and is generally still writing on its normal terms. Every change links a dated primary source.
| Carrier | Status | As of | Notes |
|---|---|---|---|
| Progressive | Paused | 2024-09-09 | Home written largely through partners. |
Steady, no change tracked
State Farm · Allstate · USAA · Liberty Mutual · Farmers Insurance · Travelers · American Family · Nationwide · Chubb · Erie Insurance · Auto-Owners · Mercury Insurance · CSAA (AAA) · Kin Insurance · Foremost (Farmers)
Insurers of last resort
Texas runs 2 separate last-resort programs covering different perils. They are not alternatives to each other and their policy counts should not be added together as if they were one pool.
Texas Windstorm Insurance Association
288,676 policies in force
Total insured value approximately $128.3B (insured building and contents coverage). Written premium $399.2M year to date, not an annual figure. The count is up 2,425 from March 31 and up 3,830 from year-end 2025, so TWIA kept growing through the first half of 2026 while the separate Texas FAIR Plan shrank. TWIA reports it is the largest residential allied lines writer in Texas and holds the 3rd most policies in force of the 37 US residual market plans, behind Florida Citizens and the California FAIR Plan.
As of 2026-06-30 · source · full series on the FAIR Plan tracker
Texas FAIR Plan Association
118,486 policies in force
Total insured value approximately $37.1B. Written premium $138.6M year to date, not an annual figure. The count is down 5,959 from March 31 and down 9,349 from the December 2025 year-end peak of 127,835, a second consecutive quarterly decline after three years of growth. TFPA publishes year-end totals and the current quarter, so the quarters between 2023 and 2025 are not in this series and no claim is made about them. Harris County alone accounts for 58,464 policies. TFPA reports it is the 15th largest residential homeowners writer in Texas and holds the 8th most policies in force of the 37 US residual market plans.
As of 2026-06-30 · source · full series on the FAIR Plan tracker
Tracked activity in Texas
TDI publishes county-level home insurance loss and premium data
The Texas Department of Insurance launched public pages showing homeowners losses by county (insurers paid $8.74 billion in 2025 losses, with wind and hail averaging 62% of losses since 2019), county-level average premiums for 2019-2025, and a searchable rate-filing database.
Source: Texas Department of Insurance news release · verified 2026-07-02
TWIA reports record policy count and exposure
TWIA’s Q1 2025 Fact Book reported more than 276,000 policies in force and over $117 billion in exposure, the highest levels in the association’s history, with exposure up roughly 27% in 2023 and 19% in 2024.
Source: Texas Windstorm Insurance Association Q1 2025 Fact Book · verified 2026-07-02
TWIA sets 2025 probable maximum loss at $6.227 billion
The Texas Windstorm Insurance Association board set its 2025 probable maximum loss at $6.227 billion after Hurricane Beryl losses of roughly $455 million nearly exhausted the Catastrophe Reserve Trust Fund, requiring $4.227 billion in reinsurance and catastrophe bonds.
Source: Insurance Journal · verified 2026-07-02
Progressive temporarily restricts new homeowners business in Texas
Progressive’s CEO stated in a shareholder letter that the company is temporarily restricting new homeowners business in Texas and several other states to reduce weather-related volatility, alongside non-renewals of some existing Texas policies.
Source: Texas Public Radio · verified 2026-07-02
Foremost begins targeted non-renewals in coastal Texas counties
Foremost, a Farmers subsidiary, began targeted underwriting actions in November 2023, sending non-renewal notices to dwelling fire, manufactured home, homeowners, and condo policyholders concentrated in coastal counties; the company said over 90% of its Texas policyholders were unaffected.
Source: Texas Consumer Association, citing Houston Chronicle reporting · verified 2026-07-02
Non-renewed or can’t find coverage?
You have more options than the cancellation letter suggests: deadlines to act, the state’s last-resort program, and carriers that specialize in hard-to-place homes.
The Texas non-renewal playbook