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)
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