What Is the Texas Department of Insurance Home Insurance Tracking Tool?
In one of the most significant consumer protection developments in Texas insurance history, the Texas Department of Insurance launched a landmark transparency tool just days ago — on September 23, 2026 — giving every Texan unprecedented visibility into what is happening in their local insurance market. Here is a complete breakdown.
What the Tool Is and What It Does
The Texas Department of Insurance launched a tool that allows residents to see reasons why insurance companies decline, non-renew, or cancel home and auto insurance policies. The webpage lets users review declination, nonrenewal, and cancellation notices by choosing from a reporting period, ZIP code, and policy type — and also includes the number of active policies and the counts of non-renewals, cancellations, and declinations reported by companies. Through June 2026, TDI uploaded more than 350,000 notices into the data system.
Part of a Broader TDI Transparency Initiative
The new cancellation tracking tool is the latest piece of a broader data transparency push TDI launched earlier in 2026. In June 2026, TDI created resources to give Texans access to data the agency collects about home insurance claims and premiums and home and auto rate filings. The Texas Homeowners Losses by County page shows the loss types and dollar amounts that companies paid out when Texans filed home insurance claims — in 2025, insurance companies paid $8.74 billion in losses for wind and hail, water, fire, and theft, with wind and hail accounting for an average of 62% of homeowners losses since 2019. The Texas Homeowners Insurance Market Overview page shows average annual premiums in every Texas county from 2019 to 2025.
The Law That Made It All Possible
House Bill 2067, passed during the 89th Texas Legislature and effective for all insurance decisions made on or after January 1, 2026, requires insurance companies to automatically provide a written explanation when they decline, cancel, or choose not to renew a home or auto insurance policy — and requires insurance companies to submit quarterly reports to TDI summarizing the reasons they gave, with TDI required to compile that data and publish it publicly, broken down to the ZIP code level.
Why This Is a Game-Changer for Texas Homeowners
ZIP code data is now public, exposing where insurance companies are pulling back in Houston and across Texas — and this transparency gives homeowners leverage. Investing in your roof or storm protection is the fastest way to lower rates, and using the specific reasons for your non-renewal to fix your home and shop for a better deal is now possible in a way it never was before.
How to Use the Tool Right Now
Visit tdi.texas.gov and navigate to the new ZIP-code transparency page — enter your ZIP code to see exactly how many policies in your area were declined, canceled, or non-renewed, and the specific reasons insurers gave. If your insurer failed to provide a written explanation after declining or canceling your policy after January 1, 2026, contact the TDI Help Line at 800-252-3439 to file a complaint.
