The coverage map · Texas
Carrier-by-carrier status for new Texas home business in 2026, covering who is open, who paused, and the two last-resort mechanisms for coastal and residual risk. Every row is dated and sourced from regulator or carrier records. This page carries no partner links.
Texas has two last-resort mechanisms. TWIA writes wind and hail only, in 14 coastal counties plus part of Harris County east of Highway 146: 286,251 policies and $127.1 billion in exposure as of the first quarter of 2026. The Texas FAIR Plan, the all-peril residual market, held 127,835 policies at the end of 2025, up 23 percent in a year, with Harris County the largest county at 64,257. Texas law requires notice by the 60th day before expiration (Insurance Code 551.105); miss it and the insurer must renew on request. Statewide average rate increases decelerated from 21.1 percent in 2023 to 4.3 percent in 2025, while Texas led the nation in 2025 hail losses with more than 235,000 damaged homes.
| Carrier | New home business? | The record |
|---|---|---|
| State Farm | Open | Largest Texas writer; no announced pause. Statewide average rate increases of about 20 percent were taken in 2023 and 2024. |
| Allstate | Open | No announced statewide pause as of 2026. |
| USAA | Open | Military families and their relatives only. |
| Farmers | Open | Farmers brand open; subsidiary Foremost non-renewed a block of Texas property policies in 2024. |
| Progressive | Paused | Stopped new Texas home policies August 13, 2024, and had not resumed as of 2026 reviews. |
If your carrier drops you, Texas requires notice by the 60th day before expiration under Insurance Code section 551.105, and if the insurer misses it, it must renew on request. That window is the real shopping clock a dropped homeowner gets. The Uninsurable America files track what happens inside it.
Every figure on this page traces to the records below, with the data vintage stated in the table.