Home insurance of last resort in Harris County, Texas
At 30 June 2026 the Texas Windstorm Insurance Association had 4,555 policies in force in the part of Harris County it serves, up 0.3% from a year earlier, and the Texas FAIR Plan had 58,464 policies in force, down 11.6% from a year earlier by the report's own comparison.
TWIA policies in force in Harris (TWIA area only) at each quarter end
Windstorm pool (TWIA)
| Quarter end | Policies in force | Exposure | Premium written, year to date | Residential policies |
|---|---|---|---|---|
| 30 June 2026 | 4,555 | $2.1 billion | $4.6 million | 4,469 |
| 31 March 2026 | 4,534 | $2.1 billion | $1.8 million | 4,448 |
| 31 December 2025 | 4,538 | $2.1 billion | $9.7 million | 4,447 |
| 30 September 2025 | 4,534 | $2.0 billion | $7.8 million | 4,443 |
| 30 June 2025 | 4,543 | $2.0 billion | $4.6 million | 4,450 |
| 31 March 2025 | 4,528 | $2.0 billion | $1.8 million | 4,432 |
| 31 December 2024 | 4,546 | $2.0 billion | $9.6 million | 4,447 |
| 30 September 2024 | 4,510 | $1.9 billion | $7.8 million | 4,410 |
| 30 June 2024 | 4,438 | $1.9 billion | $4.8 million | 4,341 |
| 31 March 2024 | 4,350 | $1.8 billion | $1.7 million | 4,255 |
| 31 December 2023 | 4,311 | $1.8 billion | $8.6 million | 4,217 |
| 30 September 2023 | 4,262 | $1.7 billion | $7.1 million | 4,173 |
| 30 June 2023 | 4,174 | $1.6 billion | $4.4 million | 4,086 |
| 31 March 2023 | 4,015 | $1.5 billion | $1.4 million | 3,939 |
TWIA covers only part of Harris County, the area designated as a catastrophe area. TWIA sells windstorm and hail coverage only.
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 | 58,464 | $15.1 billion | $83.8 million |
| 31 March 2026 | 62,098 | $16.3 billion | $38.0 million |
| 31 December 2025 | 64,257 | $17.0 billion | $175.5 million |
| 30 September 2025 | 65,788 | $17.5 billion | $141.4 million |
| 30 June 2025 | 66,142 | $17.3 billion | $94.3 million |
| 31 March 2025 | 64,339 | $16.3 billion | $40.6 million |
| 31 December 2024 | 61,774 | $15.1 billion | $143.4 million |
| 30 September 2024 | 58,627 | $13.8 billion | $110.0 million |
| 30 June 2024 | 52,902 | $11.7 billion | $67.1 million |
| 31 March 2024 | 46,903 | $9.7 billion | $26.3 million |
| 31 December 2023 | 43,925 | $8.6 billion | $77.7 million |
| 30 September 2023 | 42,598 | $8.1 billion | $59.3 million |
| 30 June 2023 | 40,905 | $7.4 billion | $38.0 million |
| 31 March 2023 | 38,745 | $6.6 billion | $15.8 million |
Nonrenewals, 2018 to 2023
From the Senate Budget Committee's insurer data. More on nonrenewals in Harris.
| Year | Nonrenewals | Policies in force | Nonrenewal rate | Texas rate |
|---|---|---|---|---|
| 2023 | 4,192 | 400,167 | 1.05% | 0.83% |
| 2022 | 3,429 | 376,645 | 0.91% | 0.68% |
| 2021 | 3,032 | 343,266 | 0.88% | 0.64% |
| 2020 | 1,713 | 312,383 | 0.55% | 0.46% |
| 2019 | 1,953 | 301,118 | 0.65% | 0.64% |
| 2018 | 3,002 | 304,589 | 0.99% | 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.