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# Texas Opens ZIP-Level Home Insurance Transparency Tool
- URL: https://www.theamericanquorum.com/state-news-texas-2026-09-25-a/
- Published: 2026-09-26T00:28:12.000Z
- Updated: 2026-09-26T00:28:12.000Z
- Description: Texas homeowners can now search ZIP-level data on policy declinations, cancellations and nonrenewals, along with insurer-reported reasons, under a new transparency requirement created by House Bill 2067.
- Author: News Desk
- Tags: Policy, Texas

Texas homeowners can now look up why residential insurance policies are being declined, canceled or not renewed in their ZIP code, after the Texas Department of Insurance [announced](https://www.tdi.texas.gov/news/2026/tdi09232026.html?ref=theamericanquorum.com) a new public data tool on September 23.

The [online tool](https://www.tdi.texas.gov/consumer/reasons-home-and-auto-insurance-policies-are-declined-canceled-not-renewed.html?ref=theamericanquorum.com) separates three insurer actions: a declination, when an insurer refuses an application; a cancellation, when coverage ends before the policy term expires; and a nonrenewal, when an insurer declines to continue coverage at the end of the term. Users can search by ZIP code and review both the number of actions and the reasons insurers reported.

The disclosure requirement stems from [state law](https://statutes.capitol.texas.gov/GetStatute.aspx?Code=IN&Value=551.113&ref=theamericanquorum.com) enacted through House Bill 2067\. Insurers began reporting residential-property information on April 1, 2026\. The department says the records will be updated quarterly, while comparable private-passenger auto data is expected later in 2026.

The reason categories include claims history, property condition, credit or insurance score, wildfire or wind exposure, nonpayment, location, insurer withdrawal from an area and the value of a home. A company may report more than one reason for a single decision, so the total number of reasons can exceed the number of actions. The department also cautions that the public results do not identify individual insurers.

The first residential reports cover the initial period after the April reporting start. That makes them a baseline rather than a long-term trend. Comparisons should become more informative as quarterly updates accumulate, particularly in areas exposed to hail, hurricanes or wildfire. Because insurer portfolios and housing growth differ by ZIP code, changes over time within the same area may be more useful than a simple ranking of places.

That distinction matters when interpreting the figures. A ZIP code with many nonrenewals may also contain many more insured homes than a neighboring area. Texas publishes a separate dataset of [policy totals](https://data.texas.gov/dataset/89R-HB-2067-Policy-Counts/vyxq-akit/about%5Fdata?ref=theamericanquorum.com), alongside [action counts](https://data.texas.gov/dataset/89R-HB-2067-actual-number-of-residential-property-/m7yx-zxf2/about%5Fdata?ref=theamericanquorum.com) and [reason data](https://data.texas.gov/dataset/89R-HB-2067-reasons-for-residential-property-decli/3efz-d6qn/about%5Fdata?ref=theamericanquorum.com). Reading those datasets together can show how common an action is relative to the local pool of active policies, although the information alone cannot establish whether a particular decision was proper.

For consumers, the practical value is a clearer view of whether an insurance problem appears isolated or is being reported across the same area. A homeowner who receives a cancellation or nonrenewal notice can compare the stated reason with the categories reported for the ZIP code, document repairs or mitigation work, and shop for replacement coverage before the current policy ends.

The tool does not replace an individual policy review or complaint. Insurers must still give policyholders the notices required by law, and disputes turn on the policy, underwriting rules and facts of the property. But the new ZIP-level reporting gives residents, lawmakers and regulators a common public baseline for tracking where access to home insurance is tightening and which reasons insurers cite most often.