Every tracked event

HB25-1182, officially titled Risk Model Use in Property Insurance Policies (session law Chapter 278), signed by Governor Polis on May 28, 2025, took effect July 1, 2026. Insurers that use wildfire or catastrophe risk models must submit model data to the Division of Insurance as part of rate filings, incorporate parcel-level and community-wide mitigation in those models or provide premium discounts to policyholders who demonstrate mitigation, give policyholders annual written notices stating their wildfire risk score, the range of possible scores, and the impact of each mitigation action, and allow policyholders to appeal their risk scores (acknowledged within 10 days, decided within 30).

Colorado General Assembly · second source · Colorado tracker

Act 182 of the 2025 Regular Session (House Bill 345), signed June 8, 2025 and effective July 1, 2026, requires insurers to give at least 60 days written notice before cancelling or non-renewing most residential property and casualty policies, up from 30 days, and to state the specific reason for the action. Non-payment of premium keeps the existing 10-day notice.

Louisiana State Legislature · second source · Louisiana tracker

The Texas Department of Insurance launched public pages showing homeowners losses by county (insurers paid $8.74 billion in 2025 losses, with wind and hail averaging 62% of losses since 2019), county-level average premiums for 2019-2025, and a searchable rate-filing database.

Texas Department of Insurance news release · Texas tracker

Insurance Commissioner Tim Temple issued Emergency Rule 50, effective June 18, 2026 and announced July 2, temporarily suspending the statutes governing cancellations, non-renewals, non-reinstatements, premium payment deadlines, and claim-filing timelines for policyholders in Avoyelles, Lafourche, Pointe Coupee, Rapides, St. Landry, St. Tammany, and Terrebonne parishes, following Tropical Storm Arthur (June 17-18, 2026). While the rule is in effect, insurers may not cancel or non-renew affected policies for storm-related reasons. It applies to all lines including homeowners and remains in effect through July 22, 2026 unless the Commissioner terminates it earlier.

Louisiana Department of Insurance, Emergency Rule 50 · second source · Louisiana tracker

Governor Polis signed SB26-155, officially titled Increase Access Homeowner’s Insurance Enterprise, creating the Strengthen Colorado Homes Enterprise within the Division of Insurance. The enterprise, funded by fees on admitted insurers and governed by a seven-member board, will run a grant program to help homeowners retrofit resilient (fortified) roof systems against hail, the state’s top premium cost driver, and study options for reducing wildfire-related insurance costs. The act takes effect August 12, 2026.

Colorado General Assembly · Colorado tracker

Commissioner Yaworsky announced new property and casualty insurers approved for the Florida market, bringing the total to 20 companies entering since the state’s legislative reforms.

Florida Office of Insurance Regulation newsroom · Florida tracker

The Louisiana Department of Insurance market update through April 2026, issued by Commissioner Tim Temple, reported that three companies, Progressive Paloverde, Continental Indemnity Company, and GuardianPointe Insurance Company, were newly licensed to write homeowners insurance in Louisiana between January 1 and April 30, 2026, joining 14 insurers licensed in 2024 and 2025, with four more companies in the application process. The update also noted homeowners insurers filing more rate decreases than in 2021-2024.

Louisiana Department of Insurance market update · second source · Louisiana tracker

The Department of Insurance, Consumer Watchdog, and State Farm reached a settlement agreement on State Farm’s prior emergency interim rate request.

California Department of Insurance press release · California tracker

Commissioner Lara and Assemblymember Calderon announced legislation aimed at transforming the California FAIR Plan, the state insurer of last resort.

California Department of Insurance press release · California tracker

FLOIR announced Citizens policyholders receive an average 8.7% rate reduction beginning spring 2026, reported Citizens’ policy count down 50% year over year to 395,144, and cited 73 pending rate-decrease filings statewide with 17 new insurers entering since the reforms.

Florida Office of Insurance Regulation · Florida tracker

The Oklahoma Insurance Department opened statewide applications for Strengthen Oklahoma Homes on January 12, 2026, offering up to $10,000 per homeowner for fortified roofs; the pilot reported over 100 homes upgraded and premium discounts of 20-30% for participants.

Oklahoma Insurance Department · Oklahoma tracker

Commissioner Lara announced mandatory protection covering nearly 150,000 policyholders in Kern, Santa Barbara, San Luis Obispo, and Ventura counties from non-renewal following the Gifford Fire.

California Department of Insurance press release · California tracker

CDI approved Mercury Insurance rate filings under the Sustainable Insurance Strategy; Mercury committed to increasing its California policy count by more than 38,000 new policies long-term, starting with more than 6,000 over the next two years, focused on wildfire-distressed areas.

California Department of Insurance alert · California tracker

CDI approved a Sustainable Insurance Strategy rate filing from CSAA, the state’s fifth largest homeowners insurer, with commitments supporting continued writing and longer-term plans to help move homeowners off the FAIR Plan.

California Department of Insurance alert · California tracker

Citizens’ policy count fell from the 2023 peak of about 1.4 million to under 400,000 by late December 2025, with more than 546,000 policies transferred to private takeout carriers during 2025 via approved depopulation rounds.

Citizens Property Insurance Corporation · Florida tracker

Farmers Insurance eliminated its monthly cap on new homeowners policies in California, previously 9,500 per month, effective immediately, and submitted a new rating plan under the Sustainable Insurance Strategy.

Farmers Insurance newsroom · California tracker

Mercury Insurance submitted the first homeowners rate filing under the Sustainable Insurance Strategy, using the newly reviewed wildfire catastrophe model, with a 6.9% average rate increase and a stated goal of expanding options in high wildfire-risk regions.

Mercury Insurance newsroom · California tracker

Colorado’s new insurer of last resort, created by 2023 legislation, began accepting applications from residential property owners on April 10, 2025. Applicants must show declinations from three admitted insurers.

The Colorado Sun · second source · Colorado tracker

TWIA’s Q1 2025 Fact Book reported more than 276,000 policies in force and over $117 billion in exposure, the highest levels in the association’s history, with exposure up roughly 27% in 2023 and 19% in 2024.

Texas Windstorm Insurance Association Q1 2025 Fact Book · Texas tracker

The Oklahoma Insurance Department launched the Strengthen Oklahoma Homes program, offering up to $10,000 per household for fortified roof upgrades, with a first pilot of 100 homes beginning March 3, 2025.

Oklahoma Insurance Department · Oklahoma tracker

FLOIR granted Mangrove Property Insurance Company a certificate of authority, the tenth new property insurer to enter Florida since the 2022-2023 reforms. Mangrove was later approved to assume roughly 81,000 Citizens policies.

Florida Office of Insurance Regulation · Florida tracker

The commissioner negotiated the 42.2% homeowners request down to 7.5% effective June 1, 2025 and 7.5% effective June 1, 2026, capped at 35% in any territory, with no new rate requests permitted before June 1, 2027.

North Carolina Department of Insurance · North Carolina tracker

Commissioner Lara amended the moratorium bulletin to shield homes within or adjoining the perimeters of the Palisades, Eaton, Hurst, Lidia, Sunset, and Woodley fires from non-renewal or cancellation for one year from the January 7, 2025 emergency declaration, regardless of loss.

California Department of Insurance press release · California tracker

After Louisiana repealed its three-year rule restricting non-renewals of long-tenured policyholders, Foremost non-renewed fewer than 5% of its affected book, per Louisiana Department of Insurance records, the only insurer recorded doing so in the first year.

InsuranceNewsNet · second source · Louisiana tracker

The Minnesota Legislature established a Task Force on Homeowners and Commercial Property Insurance to study market availability and affordability, with a report and recommendations due by February 2026.

Minnesota Legislative Coordinating Commission · Minnesota tracker

The Texas Windstorm Insurance Association board set its 2025 probable maximum loss at $6.227 billion after Hurricane Beryl losses of roughly $455 million nearly exhausted the Catastrophe Reserve Trust Fund, requiring $4.227 billion in reinsurance and catastrophe bonds.

Insurance Journal · second source · Texas tracker

The Oklahoma insurance commissioner announced Farmers Insurance would decline renewal on approximately 1,300 homeowners policies in eastern Oklahoma starting November 1, 2024, described as a wildfire-risk reduction affecting under 2% of Farmers’ Oklahoma book.

OKC Fox 25 · second source · Oklahoma tracker

Progressive’s CEO stated in a shareholder letter that the company is temporarily restricting new homeowners business in Texas and several other states to reduce weather-related volatility, alongside non-renewals of some existing Texas policies.

Texas Public Radio · second source · Texas tracker

Heritage Insurance Holdings resumed writing new personal lines business in Florida after its December 2022 pullback, citing improved results, stabilized reinsurance markets, and the state’s legislative reforms.

Insurance Journal · second source · Florida tracker

A Minnesota law effective August 1, 2024 allows an insurer to refuse to renew a homeowners policy if the insured had three or more covered losses each over $10,000 from lightning, wind, rain, or hail during the preceding five years, with insurer obligations specified.

Minnesota House Public Information Services · Minnesota tracker

American National Group began withdrawing its homeowners product from nine states including Colorado starting in 2024, citing significant and persistent underwriting losses over the prior ten years.

Insurance Journal · second source · Colorado tracker

The commissioner negotiated the Rate Bureau’s 50.6% dwelling rate request down to an 8% average statewide increase effective November 1, 2024.

North Carolina Department of Insurance · North Carolina tracker

State Farm General announced non-renewal of approximately 30,000 homeowners, rental dwelling, and other property policies beginning July 3, 2024, plus about 42,000 commercial apartment policies beginning August 20, 2024, together just over 2% of its California policy count.

State Farm newsroom · California tracker

The Minnesota Department of Commerce reported homeowners insurance complaints rose from 569 in 2020 to 1,185 in 2023, driven largely by denied claims and higher out-of-pocket costs after wind and hail damage.

Minnesota Department of Commerce · Minnesota tracker

The North Carolina Rate Bureau filed a request seeking an average statewide homeowners increase of 42.2%, with proposed increases up to 99.4% in some territories.

North Carolina Department of Insurance · North Carolina tracker

Foremost, a Farmers subsidiary, began targeted underwriting actions in November 2023, sending non-renewal notices to dwelling fire, manufactured home, homeowners, and condo policyholders concentrated in coastal counties; the company said over 90% of its Texas policyholders were unaffected.

Texas Consumer Association, citing Houston Chronicle reporting · second source · Texas tracker

Progressive announced a rebalancing that non-renews roughly 100,000 Florida policies, about 47,000 dwelling-fire and 53,000 high-risk homeowners policies, with notices beginning late December 2023 and replacement coverage offered through Loggerhead Insurance.

Insurance Journal · second source · Florida tracker

FLOIR approved Orion180 Select Insurance Company and Orion180 Insurance Company as the third and fourth new property and casualty insurers approved in Florida in 2023 following legislative reforms, after Tailrow and Mainsail.

Florida Office of Insurance Regulation · Florida tracker

The North Carolina Rate Bureau filed for an overall 50.6% rate increase on dwelling policies covering non-owner-occupied residences of up to four units.

North Carolina Department of Insurance · North Carolina tracker

Auto Club Insurance Company of Florida said it would not renew a small percentage of higher-exposure homeowners package policies, citing reinsurance costs, while stating it was not exiting the state. AAA held roughly 79,000 residential policies in Florida as of 2022.

Insurance Journal · second source · Florida tracker

Farmers stopped writing new home, auto, and umbrella policies in Florida and announced non-renewal of existing Farmers-branded policies, affecting up to 100,000 policyholders. Slide Insurance later took renewal rights for 86,000 of the homeowners policies.

Tampa Bay Times · second source · Florida tracker

State Farm General announced it would cease accepting new applications for all business and personal lines property and casualty insurance in California effective May 27, 2023, citing construction cost inflation, catastrophe exposure, and reinsurance costs.

State Farm newsroom · California tracker

United P&C, deemed insolvent after Hurricane Ian losses of about $864 million, was ordered into liquidation by the Second Judicial Circuit Court in Leon County; policies were cancelled March 29, 2023 and the state guaranty association activated.

Florida Division of Rehabilitation and Liquidation · Florida tracker

The Louisiana Legislature allocated $45 million to the Insure Louisiana Incentive Program, offering matching grants that require insurers to write four dollars of premium per grant dollar; about $42 million was awarded to eight insurers in the first round.

Insurance Journal · second source · Louisiana tracker

Allstate disclosed with its Q3 2022 results that it had stopped writing new homeowners, condo, and commercial policies in California, citing wildfire risk, construction costs, and reinsurance costs. Existing policyholders were not affected.

Insurance Journal · second source · California tracker

The Second Judicial Circuit Court in Leon County ordered Southern Fidelity Insurance Company into receivership for liquidation; policies for roughly 98,000 policyholders across FL, MS, LA, and SC were cancelled effective July 15, 2022.

Florida Division of Rehabilitation and Liquidation · Florida tracker

A Louisiana court ordered Lighthouse Property Insurance Corporation into liquidation after Hurricane Ida losses; active policies were cancelled effective May 28, 2022, with guaranty associations activated in five states.

Insurance Journal · second source · Louisiana tracker

The Louisiana insurance commissioner ordered Americas Insurance Company into receivership after hurricane losses; the company held about 24,000 policies with roughly 13,000 pending Hurricane Ida claims, and was ordered into liquidation in June 2022.

Insurance Journal · second source · Louisiana tracker