League City homeowners can look up the reasons insurers are dropping home and auto policies in their neighborhood, using a free state database that added auto insurance data Oct. 15.
The Texas Department of Insurance (TDI) expanded the online transparency tool to cover personal auto policies alongside the residential property data available since the tool's Sept. 23 launch.
Galveston County carried 8,566 Texas FAIR Plan Association policies with $3.72 billion in exposure as of March 31, 2026, according to TDI data compiled by Coverage Classroom. The FAIR Plan is the state's insurer of last resort for homeowners turned down by at least two companies. League City sits in Galveston County, where hurricane and flood exposure drive many of those cancellations.
"Texans deserve to know what's happening in their insurance market and why," Insurance Commissioner Amanda Crawford said in TDI's September announcement of the tool's launch.
How the tool works
Residents enter a ZIP code, select a reporting period and choose a policy type. The tool generates an "Actions" report showing how many policies insurers declined, canceled or did not renew, and a "Reasons cited" report showing how often companies gave particular explanations, according to Click2Houston. Residents can compare results across ZIP codes.
For home insurance, reported reasons include storm exposure, property conditions such as roof condition, claims history, an insurer's concentration of risk in one area, missed premium payments and market withdrawal. For auto insurance, reasons can include a driver's claims history, driving record, vehicle make and model, or an insurer's decision to stop offering certain policies.
The tool does not identify individual insurance companies. TDI cautions that insurers can cite multiple reasons for a single decision, so the number of reasons listed should not be read as the total number of policies affected. The reasons reported in one ZIP code do not necessarily explain why a particular resident lost coverage.
What the law requires
The tool stems from House Bill 2067 (HB 2067), passed by Texas lawmakers in 2025. Under the law, insurance companies must provide written explanations when they decline, cancel or refuse to renew qualifying home or auto policies. The requirement applies to insurance decisions made after Jan. 1, 2026. Insurer reporting to TDI began April 1.
Not every cancellation in the database was initiated by an insurer. The data also includes certain actions taken at a policyholder's request, such as canceling after selling a property.
What to do if you lose coverage
TDI recommends that residents who receive a cancellation or nonrenewal notice begin searching for replacement coverage before the existing policy expires. Reviewing the insurer's written explanation can help identify whether the issue is something fixable, such as a needed roof repair or an unpaid premium.
Homeowners turned down by at least two companies may qualify for coverage through the Texas FAIR Plan Association.
Residents who believe an insurer acted unfairly or failed to provide a required written explanation can file a complaint with TDI. The agency's Help Line is available at 800-252-3439, Monday through Friday, 8 a.m. to 5 p.m. The database is available at agate.tdi.texas.gov.
