Who is actually writing homeowners insurance in your state?

California homeowners face the largest availability crunch in the country by exposure: FAIR Plan policies grew 152% between September 2022 and March 2026, and regulators have used mandatory post-disaster moratoriums to pause non-renewals in fire-affected counties.

Florida had the highest non-renewal rate in the country in recent federal data, but the market is now partially recovering: regulators report 20 new property and casualty insurers entering since the 2022-2023 legislative reforms, and Citizens has shed roughly 80% of its 2023 peak policy count.

Louisiana ranked second nationally for homeowners non-renewals in 2023 federal data, with coastal parishes among the hardest-to-place markets in the country.

Texas premiums are among the fastest-rising in the country, driven by hail and wind losses, though 2023 federal data ranked its statewide non-renewal rate lower than coastal crisis states.

Colorado saw one of the largest premium increases in the country in 2025 (+33% per industry rate tracking), driven by hail and wildfire losses, marking it as a spreading edge of the availability crisis.

Oklahoma is projected to become the second most expensive state for homeowners insurance, with 2025 premiums up roughly 24% on convective storm losses, and non-renewal rates that doubled between 2018 and 2023 in federal data.

Minnesota led the country in 2025 premium increases (+34% per industry rate tracking) on hail and convective storm losses, a spreading edge of the availability crisis outside the classic disaster states.

North Carolina ranked third nationally for homeowners non-renewals in 2023 federal data, with 13 inland counties among the top 100 nationally, showing the crisis is not only coastal.