Home insurance of last resort in Chambers County, Texas
At 30 June 2026 the Texas Windstorm Insurance Association had 9,137 policies in force, up 7.5% from a year earlier, and the Texas FAIR Plan had 818 policies in force, up 9.9% from a year earlier by the report's own comparison.
TWIA policies in force in Chambers at each quarter end
Windstorm pool (TWIA)
| Quarter end | Policies in force | Exposure | Premium written, year to date | Residential policies |
|---|---|---|---|---|
| 30 June 2026 | 9,137 | $4.5 billion | $11.9 million | 8,860 |
| 31 March 2026 | 8,984 | $4.4 billion | $4.8 million | 8,710 |
| 31 December 2025 | 8,857 | $4.4 billion | $25.0 million | 8,587 |
| 30 September 2025 | 8,717 | $4.3 billion | $20.1 million | 8,456 |
| 30 June 2025 | 8,496 | $4.1 billion | $11.6 million | 8,239 |
| 31 March 2025 | 8,198 | $3.8 billion | $4.8 million | 7,937 |
| 31 December 2024 | 7,955 | $3.7 billion | $21.7 million | 7,719 |
| 30 September 2024 | 7,727 | $3.5 billion | $17.3 million | 7,507 |
| 30 June 2024 | 7,389 | $3.3 billion | $10.1 million | 7,176 |
| 31 March 2024 | 6,948 | $3.0 billion | $3.8 million | 6,752 |
| 31 December 2023 | 6,682 | $2.8 billion | $16.7 million | 6,490 |
| 30 September 2023 | 6,398 | $2.7 billion | $13.2 million | 6,208 |
| 30 June 2023 | 6,095 | $2.4 billion | $7.0 million | 5,919 |
| 31 March 2023 | 5,725 | $2.2 billion | $2.8 million | 5,555 |
Texas FAIR Plan
The FAIR Plan publishes its 25 largest counties by exposure each quarter.
| Quarter end | Policies in force | Exposure | Premium written, year to date |
|---|---|---|---|
| 30 June 2026 | 818 | $407.6 million | $387,596 |
| 31 March 2026 | 812 | $396.3 million | $168,066 |
| 31 December 2025 | 801 | $396.3 million | $803,733 |
| 30 September 2025 | 782 | $383.0 million | $636,899 |
| 30 June 2025 | 744 | $356.0 million | $397,602 |
| 31 March 2025 | 698 | $322.9 million | $172,375 |
| 31 December 2024 | 636 | $282.5 million | $607,979 |
| 30 September 2024 | 553 | $239.5 million | $445,844 |
| 30 June 2024 | 470 | $191.6 million | $251,822 |
| 31 March 2024 | 407 | $164.1 million | $100,622 |
| 31 December 2023 | 367 | $139.9 million | $302,327 |
| 30 September 2023 | 341 | $128.1 million | $232,632 |
| 30 June 2023 | 314 | $114.3 million | $138,715 |
| 31 March 2023 | 282 | $95.5 million | $53,417 |
Nonrenewals, 2018 to 2023
From the Senate Budget Committee's insurer data. More on nonrenewals in Chambers.
| Year | Nonrenewals | Policies in force | Nonrenewal rate | Texas rate |
|---|---|---|---|---|
| 2023 | 151 | 4,521 | 3.34% | 0.83% |
| 2022 | 23 | 3,173 | 0.72% | 0.68% |
| 2021 | 14 | 2,568 | 0.55% | 0.64% |
| 2020 | 8 | 2,378 | 0.34% | 0.46% |
| 2019 | 12 | 2,392 | 0.50% | 0.64% |
| 2018 | 8 | 2,493 | 0.32% | 0.81% |
Sources
- Texas Windstorm Insurance Association, Statistical Report and Quarterly Liability Report by county
- Texas FAIR Plan Association, Quarterly Liability Report, top 25 counties by exposure
- US Senate Budget Committee, Homeowners insurance nonrenewal data by county, 2018 to 2023 (December 2024 release)
Checked 29 October 2026. Figures are reproduced as published and are not adjusted.