Homeowners insurance availability in Texas

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

Texas Department of Insurance reports most homeowners rate filings since July 1 proposed decreases, averaging -4.3% over 90 days

The Texas Department of Insurance stated on October 8, 2026 that most homeowners insurance companies that filed rate changes with TDI since July 1 proposed decreases, affecting about 700,000 Texas policyholders, and that filed homeowners rate changes over the past 90 days averaged a 4.3% decrease. Among the decreases TDI named ASI Lloyds (a Progressive company), which filed a 6% decrease affecting 71,000 policyholders, and Texas Farm Bureau Mutual Insurance Company, which filed a 5.2% decrease affecting 133,000 policyholders; TDI states both are among the top 10 insurance groups in Texas by premium volume. These are filed rates, which TDI reviews against state law; the same release reports auto rate decreases, which are outside this tracker. Rate filings attach as history and set no carrier writing status.

Source: Texas Department of Insurance · verified 2026-10-12

TDI proposes amendments to its rule barring home insurance declinations based on the age of a home or its components

The Texas Department of Insurance filed a proposal on September 29, 2026 to amend 28 TAC section 21.1006, its rule prohibiting insurers from declining to write residential property insurance based on the age or value of the property. As proposed, subsection (b) states that an insurer may not decline to write residential property insurance based on the age of the property or of any of its individual components or materials, including wiring, heating, air conditioning, plumbing, siding and roofing; siding is newly added to the list. New subsection (d) states that the section does not prohibit declining coverage based on the physical condition of the property or its components, or TWIA from requiring building code standards tied to construction date. TDI states in the proposal that the amendments clarify the existing prohibition and "do not change the rule’s meaning or application", and that insurers already in compliance will not need to make filings. TDI’s news release of the same date describes the rule as covering decisions to decline or not renew, and says it was developed in response to the Governor’s August 24, 2026 directive. Per TDI’s 2026 rules index the proposal publishes in the Texas Register on October 9, 2026; written comments are due by 5 p.m. central on November 9, 2026, and a public hearing is set for 2 p.m. on November 3, 2026 under Docket No. 2874. This is a proposal, not an adopted rule. It names no carrier and sets no carrier status.

Source: Texas Department of Insurance · verified 2026-10-05

TDI publishes insurer-reported reasons for home policy declinations, cancellations and non-renewals by ZIP code

The Texas Department of Insurance launched a webpage on September 23, 2026 that shows, by ZIP code, the reasons insurance companies reported for declining, canceling or not renewing home insurance policies, along with the number of active policies and the counts of non-renewals, cancellations and declinations reported by companies. TDI states it will update the page at least quarterly and plans to add auto insurance data later in 2026. The data reporting stems from House Bill 2067 of 2025, which requires insurers to report this information to TDI and to give written explanations when they decline, cancel or do not renew a home policy. The tool publishes aggregate reported data; it names no carrier action and sets no carrier status.

Source: Texas Department of Insurance · verified 2026-09-28

TDI bulletin urges insurers to offer premium discounts for wind, hail and wildfire loss mitigation

Commissioner’s Bulletin B-0008-26, dated September 16, 2026 and addressed to all property and casualty insurance companies writing residential property insurance in Texas, states that TDI "encourages all property and casualty insurance companies operating in Texas to develop meaningful, actuarially supported premium discounts that allow homeowners who invest in loss mitigation to share in the financial benefits of the risk reduction they create," naming building or retrofitting to resilient construction standards such as IBHS FORTIFIED Home, impact-resistant roofing materials, and proactive wildfire protection. It cites Insurance Code Chapter 2251 on grouping risks by classification, lists three actions companies can take (incorporating each loss mitigation item into rating plans, informing policyholders of available credits, and minimizing redundant surveys or inspection forms), and reminds companies to file new or expanded discounts through SERFF. Two precision notes, both recorded rather than smoothed over. First, the operative verb: the bulletin ENCOURAGES, while TDI’s own news release describes it as "directing insurance companies to offer discounts" and the Governor’s release describes it as having "directed insurers to account for a home’s FORTIFIED roof status in rate setting." The bulletin text is used here. TDI’s September 14, 2026 memorandum to the Governor separately recommends a change to state law that WOULD require insurers to consider mitigation when setting rates, which is the requirement the bulletin itself does not impose. Second, a source-date discrepancy of the same shape as the one recorded for B-0007-26: TDI’s 2026 news index dates the accompanying release September 15, 2026, while the release page, the release’s own file slug (tdi09162026.html) and the bulletin all carry September 16, 2026, and the bulletin date is used here. The Governor’s office and TDI both identify the bulletin as one of the five directives Governor Abbott issued to TDI in August 2026. This is a rate-practice bulletin naming no carrier and sets no carrier status.

Source: Texas Department of Insurance, Commissioner’s Bulletin B-0008-26 · verified 2026-09-21

TDI tells the Governor it will propose a rule barring refusal to write or renew on the age of a roof

In a memorandum dated September 14, 2026 to Governor Greg Abbott, Insurance Commissioner Amanda Crawford responded to the Governor’s August 24, 2026 directive, which had set September 14 as the deadline for recommendations. On the five directed actions the memorandum states: the department plans to propose a rule clarifying the existing prohibition on using the age of the property, to make clear that insurers may not use the age of individual components as an indicator when deciding whether to write or renew coverage; the department plans to issue a bulletin emphasizing that companies should offer premium discounts for homes with wind, hail or wildfire mitigation; the price optimization bulletin was already issued on September 2, 2026; the department will invite law enforcement, anti-fraud groups and other stakeholders to an Insurance Fraud Task Force; and the department will produce a concise, web-based study of what drives claim costs, drawn from Market Conduct Annual Statements, rate filings and financial statements, by the end of 2026. The memorandum lists further administrative actions under current law, including an analysis of insurer use of AI in property and casualty claims handling and underwriting, plain-language coverage overviews, a HelpInsure.com update, publishing non-confidential financial orders, a declarations-page plain-language rule, publishing market data earlier, a statistical plan solicitation, and removing questions from company licensing applications to reduce barriers to entry. Its legislative considerations include a homeowner mitigation grant program, allowing all auto carriers to rate on moving violations, disallowing advertising costs in rate filings, a delay between a home or personal auto rate filing and its use in the market, 60-day notice of renewal premium, updated policy readability standards, consistent claim deadlines with disclosure, a written acceptance or denial requirement for all claims, and licensure or registration for roofing contractors. The Governor’s office announced the response on September 16, 2026. The rule is not yet proposed and the memorandum names no carrier, so it sets no carrier status.

Source: Texas Department of Insurance, Response to Governor Abbott’s Directive, September 14, 2026 · verified 2026-09-21

TDI bulletin states price optimization is unfairly discriminatory under Texas law

Commissioner’s Bulletin B-0007-26, dated September 2, 2026 and addressed to all insurance companies and their agents and representatives, states that any use of price optimization in the ratemaking or pricing process, or in establishing a rating plan, is unfairly discriminatory and violates the Texas Insurance Code. The bulletin defines price optimization as varying premiums on factors unrelated to the policyholder’s risk of loss or the company’s expense, including elasticity of demand, and states that any practice giving two policyholders with the same risk profile different premium increases is unfairly discriminatory. It cites Insurance Code Chapter 2251 on required rate considerations. TDI’s accompanying news release quotes Commissioner Amanda Crawford and identifies the bulletin as one of the five directives Governor Abbott issued to TDI on August 24, 2026. Note a source discrepancy recorded rather than resolved silently: TDI’s 2026 news index dates the release September 1, 2026 while the release page and the bulletin itself both carry September 2, 2026, and the bulletin date is used here. This is a rate-practice bulletin naming no carrier and sets no carrier status.

Source: Texas Department of Insurance, Commissioner’s Bulletin B-0007-26 · verified 2026-09-07

Governor Abbott directs TDI to bar refusals to write or renew based on property or roof age

Governor Greg Abbott sent a letter dated August 24, 2026 to Insurance Commissioner Amanda Crawford directing the Texas Department of Insurance to take five actions on property and casualty affordability: require insurers to include a home’s FORTIFIED roof status in rate-setting calculations; prohibit insurers from refusing to write or renew residential property insurance policies based on the age of the property, including individual components such as the age of the roof; issue a bulletin for all TDI-regulated products banning price optimization; create an Insurance Fraud Task Force; and study the impact of excessive, unnecessary and inflated claims costs on the Texas commercial auto, personal auto and homeowner markets. The release states the average annual Texas homeowners premium rose 79 percent in six years. TDI was directed to identify further administrative actions and any needed statutory changes, with recommendations due to the Office of the Governor by Monday, September 14, 2026. This is a directive to the regulator, not a rule in force, and it names no carrier, so it sets no carrier status.

Source: Office of the Texas Governor press release · verified 2026-09-07

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 says it began targeted underwriting actions in Texas, with non-renewal notices to some property customers

A Farmers Insurance spokesperson told the Houston Chronicle that Foremost, a Farmers subsidiary, began targeted underwriting actions in Texas in November 2023 and that, as a result, a portion of customers with dwelling fire, manufactured home, homeowners and condo policies began receiving non-renewal notices. The spokesperson said more than 90% of Foremost’s existing Texas property customers are not affected and that Foremost continues to offer new property policies in the state. A Texas Department of Insurance spokesperson said Foremost informed TDI in September 2023 of plans to stop selling home policies that included wind and hail coverage in some counties concentrated in coastal areas. Foremost did not say which customers are affected.

Source: Houston Chronicle, June 21, 2024 · verified 2026-07-02