Regulators just collected the homeowners market data nobody has had. Here is what is in it.

What was collected

The NAIC listed the requested categories: policy type (home, renter, condo, and mobile home), premiums, claims and losses by peril, deductibles, cancellations, non-renewals, coverage limits, replacement cost and actual cash value, and mitigation discounts.

Two of those are unusual and worth pulling out. Claims and losses by peril means the data can separate wind from wildfire from water, rather than reporting one blended loss number, which is the level of detail needed to say whether a market is under pressure from the thing everyone assumes it is. And non-renewals collected at ZIP-code level is the measure this site exists to track, and the one that has never been available nationally on a consistent basis.

The reporting threshold was insurers writing at least $50,000 in relevant premium, which is low enough to reach well past the national carriers into regional and specialty writers.

What stays confidential, and why that is not a loophole

The per-company detail submitted under a data call is confidential. Regulators receive company-level data; the public gets aggregates. That is a deliberate design, not an omission: an insurer will not report candidly on its own losses and non-renewals if the filing becomes a press release about that insurer.

The practical consequence for a homeowner is that the report will be able to tell you what happened in your ZIP code, and will not tell you which company did it. This site does not republish confidential per-carrier data-call detail either. Every carrier status here is derived from a dated, publicly linked event for the same reason, which is documented in our methodology.

This is a repeating exercise, not a one-off

Regulators announced their intent to run a nationwide property data call in November 2023, and the first Property and Casualty Market Intelligence call followed. The 2026 call extends the same effort through policy year 2025.

The significance of a second pass is comparability. A single snapshot tells you the state of a market; two collections on the same terms let you measure the direction and the rate of change, which is the question actually being argued about in states like California, Florida, and Louisiana.

What the report will not answer

Worth setting expectations now, because the coverage when it lands will not.

• It will not name carriers. See the confidentiality section above.
• It will not price your renewal. Aggregated historical premium by ZIP code is not a quote, and the data ends at policy year 2025.
• It will not explain why. The data records what was written, paid, and not renewed. Attributing that to reinsurance costs, catastrophe modeling, or regulatory environment is interpretation, and reasonable people will read the same tables differently.
• It will not be current. A report published in early 2027 describes a market through the end of 2025. For a market moving this fast, that is a lag worth remembering before treating any figure in it as today.

What we will do with it

When the report publishes we will check our state pages against it, because that is the first honest test of whether an event-sourced tracker built from public filings has been describing the same market the regulators measured. Where our reading differs from the aggregates, the aggregates are the better source and we will say so on the data and corrections page.

Until then, the current picture is on the national events timeline and the individual FAIR Plan trackers. If you are dealing with a non-renewal right now, the report will not help and the non-renewal playbook will.