Availability by state
Each tracked state has a page listing every verified carrier action in it, newest first, with the primary source behind each one. A state earns a page when there is enough documented activity to be worth reading, which is why this list is short and deliberately not fifty.
- California12 events
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.
Regulator: California Department of Insurance
- Florida16 events
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.
Regulator: Florida Office of Insurance Regulation
- Louisiana17 events
Louisiana ranked second nationally for homeowners non-renewals in 2023 federal data, with coastal parishes among the hardest-to-place markets in the country.
Regulator: Louisiana Department of Insurance
- Texas5 events
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.
Regulator: Texas Department of Insurance
- Colorado4 events
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.
Regulator: Colorado Division of Insurance
- Oklahoma6 events
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.
Regulator: Oklahoma Insurance Department
- Minnesota4 events
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.
Regulator: Minnesota Department of Commerce
- North Carolina4 events
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.
Regulator: North Carolina Department of Insurance
Why your state might not be here
A state gets a page once it has a documented record worth publishing, currently five or more verified events or an active residual-market program. Building a page before then would mean publishing a page that says very little about a subject where being wrong has consequences, so we would rather have the gap than the filler.
Every verified event we hold, in every state, is on the full event log.