Insurers of last resort, tracked

Change compares each count to the previous one shown. The bar sizes each count against the highest figure in this table. Reading it: growing enrollment in a last-resort plan means private carriers are absorbing less risk; shrinking enrollment means they are taking policies back. +8% since September 2025 (prior fiscal year-end), +157% since September 2022. Total exposure $768B (+11% since Sept 2025, +250% since Sept 2022). Written premium $2.04B. New business Oct 2025 - Jun 2026: 151,061 policies (monthly average 16,784), which the FAIR Plan states is a 25% decrease in average monthly new business against fiscal 2025. · Source: www.cfpnet.com

Change compares each count to the previous one shown. The bar sizes each count against the highest figure in this table. Reading it: growing enrollment in a last-resort plan means private carriers are absorbing less risk; shrinking enrollment means they are taking policies back. Down 50 policies from June 30. That is the smallest month-over-month change, in either direction, in any month since the September 2023 peak: the next smallest is 508 in March 2024, and the two preceding months moved by 15,526 and 1,122. Checked against all 75 monthly rows Citizens publishes, back to May 2020. · Source: www.citizensfla.com

Change compares each count to the previous one shown. The bar sizes each count against the highest figure in this table. Reading it: growing enrollment in a last-resort plan means private carriers are absorbing less risk; shrinking enrollment means they are taking policies back. Total insured value approximately $128.3B (insured building and contents coverage). Written premium $399.2M year to date, not an annual figure. The count is up 2,425 from March 31 and up 3,830 from year-end 2025, so TWIA kept growing through the first half of 2026 while the separate Texas FAIR Plan shrank. TWIA reports it is the largest residential allied lines writer in Texas and holds the 3rd most policies in force of the 37 US residual market plans, behind Florida Citizens and the California FAIR Plan. · Source: www.twia.org

Change compares each count to the previous one shown. The bar sizes each count against the highest figure in this table. Reading it: growing enrollment in a last-resort plan means private carriers are absorbing less risk; shrinking enrollment means they are taking policies back. Total insured value approximately $37.1B. Written premium $138.6M year to date, not an annual figure. The count is down 5,959 from March 31 and down 9,349 from the December 2025 year-end peak of 127,835, a second consecutive quarterly decline after three years of growth. TFPA publishes year-end totals and the current quarter, so the quarters between 2023 and 2025 are not in this series and no claim is made about them. Harris County alone accounts for 58,464 policies. TFPA reports it is the 15th largest residential homeowners writer in Texas and holds the 8th most policies in force of the 37 US residual market plans. · Source: www.texasfairplan.org