As homeowners across the U.S. grapple with skyrocketing insurance premiums and outright coverage denials, Texas has taken steps to increase transparency in the home insurance market.
The Texas Department of Insurance (TDI) has launched a new online tool that gives Texas homeowners a clearer picture of why insurers are declining, canceling, or refusing to renew policies in their area. For years, this data had been difficult, if not impossible, for consumers to access.
Here's what to know
A new TDI website allows users to look up insurance-related data by entering a zip code. The system then allows users to review the reasons insurers reported for declinations, cancellations, and nonrenewals in that area.
The page also lists the number of active home insurance policies reported in the ZIP code, along with counts for nonrenewals, cancellations, and declinations.
TDI says it will refresh the page at least quarterly and plans to add auto insurance insights.
More background
The page was created under House Bill 2067, which passed in 2025. That law requires insurers to report policy information to TDI and to provide written explanations when they decline, cancel, or do not renew a home insurance policy.
TCD Picks » Quince Spotlight
💡These best-sellers from Quince deliver affordable, sustainable luxury for all
Because the information is grouped by ZIP code, Texans can see what is happening where they live and weigh adverse actions against the number of active policies reported for that area.
How does this help?
The public-facing lookup page makes insurer data searchable for consumers instead of burying it deep in regulatory filings. Knowing more about the local insurance market can help prospective homeowners anticipate potential insurance challenges before they buy, while giving existing residents greater transparency into a previously opaque process.
The quarterly updates will make it easier to spot shifts in local policy actions. In the future, TDI plans to expand the same framework to auto insurance coverage as well.
For people who have questions after viewing the page, TDI recommends calling its Help Line at 800-252-3439 or visiting its website, www.tdi.texas.gov.
"Texans deserve to know what's happening in their insurance market and why," Insurance Commissioner Amanda Crawford said. "This new tool puts more information directly in consumers' hands and advances our commitment to greater transparency across the Texas insurance market."
Where can I learn more?
Texas' new ZIP code tool comes as more homeowners face dropped coverage and rising insurance pressure in high-risk areas. The articles here examine insurers' pullback in parts of Texas, California, and Oklahoma as storm and wildfire-related risks reshape the insurance market.
• After severe storms, Texas insurers dropped coverage for thousands of homeowners across the state.
• In Houston, homeowners insurance costs soared, signaling pressure that could spread nationwide.
• In California, State Farm disclosed zip codes where it plans to drop over 70,000 properties.
• In Oklahoma, Farmers dropped coverage over wildfire risk, leaving homeowners scrambling for replacements.
• California officials took unprecedented action after major insurers dropped homeowners coverage amid wildfire fears.
Get TCD's free newsletters for easy tips, smart advice, and a chance to earn $5,000 toward home upgrades. To see more stories like this one, change your Google preferences here.
