Attention Agents: The Texas Department of Insurance (TDI) has approved proposed changes to Texas FAIR Plan Association (TFPA) rates, as approved by the TFPA Governing Committee at their February 2026 meeting.
The approved rate filings will result in statewide average rate decreases, except for dwelling policies (Fire and Extended Coverage). These changes will apply to both new business and renewal policies with effective dates on or after September 1, 2026.
| Region | Homeowners | Dwelling | Condominium | Tenant | |
|---|---|---|---|---|---|
| Fire | EC | ||||
| Central North - Greater Dallas/Ft. Worth | -4.5% | 3.5% | 25% | -13.7% | -25% |
| Central North - Remainder | -1.2% | 3.5% | 25% | -19.6% | -25% |
| Central South | -4.1% | 3.5% | 25% | -5.7% | -25% |
| North/Northwest | -2.1% | 3.5% | 25% | -21% | -25% |
| Seacoast - Tier 1 | -21.6% | 3.5% | -22% | -17% | -25% |
| Seacoast - Tier 2 | 0.3% | 3.5% | 21.3% | 5.5% | -25% |
| Overall Statewide | -2.6% | 3.5% | 21.6% | -7.5% | -25% |
NOTE: Even if the policy was quoted or submitted before 9/1/2026, the new rates will apply to all new and renewal policies with effective dates of 9/1/2026 and later.
Annual Adjustment of Dwelling Coverage Limit
TFPA’s annual adjustment of dwelling coverage limits may increase coverage limits to help keep pace with changes in building costs.
Based on our annual review of building cost index data, TFPA limits will increase by approximately 4% for renewal policies with effective dates on or after September 1, 2026.
If you have any questions, please contact us.