Storm Data and Insurance
How to Check If Your Texas Home Insurance Company Just Filed a Rate Increase
As of June 2026, the Texas Department of Insurance publishes a free, searchable database of every home and auto insurance rate filing submitted in the state - you can look up your own company by name at data.texas.gov and see the exact percentage rate change requested, when it takes effect, and whether TDI approved, rejected, or is still reviewing it.
Direct Answer
As of June 2026, the Texas Department of Insurance publishes a free, searchable database of every home and auto insurance rate filing submitted in the state - you can look up your own company by name at data.texas.gov and see the exact percentage rate change requested, when it takes effect, and whether TDI approved, rejected, or is still reviewing it.
A third public TDI dataset most homeowners don't know exists
This site's other guides already cover TDI's published loss data and premium-by-county data. The rate-filings database is a separate, third resource TDI rolled out the same day - and it's the one that answers the specific question homeowners ask right after a renewal notice: "did my company just raise rates on purpose, or is this just me?"
- The database is public and free to search at data.texas.gov (dataset ID iubg-btfs) - no account or login required.
- Search by your insurer's official company name, which TDI's own guidance says to confirm first from your policy, billing statement, or by calling your agent, since the legal entity name on a filing can differ from the brand name on your bill.
- Each filing result shows the received date, the requested percent change (TDI describes this as "the estimated impact that the rate change has on existing policyholders"), separate effective dates for new business versus renewal business, and a status of either "pending" or "closed."
- A "closed" filing is further labeled by outcome: Rejected, Reviewed, or Withdrawn - so you can see not just that a company asked for a rate change, but what actually happened to that request.
- This is a statewide filing-level dataset, not a per-policy lookup - it tells you what rate change your company filed for its book of business generally, not the exact dollar change on your individual policy, which still depends on your own coverage, claims history, and roof age.
- TDI launched this alongside two other new public tools (paid-claims-loss data and premium-by-county data) on June 22, 2026, as part of a stated transparency push - this guide covers only the rate-filings piece; see this site's other TDI-data guide for the loss and premium figures.
What to do with what you find
- If your company filed and received an approved rate increase shortly before your renewal jumped, that's a documented, verifiable reason - not a guess - worth citing if you call to ask questions.
- If you can't find a recent filing for your company at all, that's also useful: it means your specific increase may be driven by factors outside a general rate filing, such as your own claims history or a roof-age reassessment, worth asking your agent about directly.
- A "Rejected" or "Withdrawn" filing doesn't necessarily mean your rate won't still rise - insurers can and do refile, so check back periodically rather than treating one search as final.
- Shopping competing quotes is still worth doing regardless of what a filing search turns up - a documented rate increase from your current insurer is a reason to compare, not a reason to assume every competitor filed the same increase.
Sources
The data above is cited directly from these publishers - follow the links to read the original reporting.
Frequently Asked Questions
Do I need to create an account to search TDI's rate-filings database?
No. The database at data.texas.gov is public and searchable without any login or account, per TDI's own published guidance.
Will this tell me exactly how much my own premium will go up?
No. It shows the filing-level percentage rate change your insurer requested for its overall book of business in Texas, not the specific dollar change on your individual policy, which depends on your own coverage, claims history, and other individual rating factors.
Is this the same data as TDI's homeowners losses and premiums-by-county tool?
No - it's a separate, third dataset TDI published the same day. The losses and premiums data (covered in this site's other TDI-data guide) shows what insurers actually paid out and charged by county; this rate-filings database shows the formal regulatory filings insurers submit when they want to change their rates statewide.