Who is actually writing homeowners insurance in your state?
Home Insurance Watch tracks which carriers are writing new policies, who has paused, and who has left, state by state. Built from regulator bulletins, rate filings, and residual-market data. Every status shows its source and its date.
The crisis, two directions at once
Enrollment in a state’s insurer of last resort is the clearest read on how hard its market is. Two of the biggest are moving in opposite directions right now.
California FAIR Plan
Climbing696,562
households on the insurer of last resort
+152% since September 2022 · as of 2026-06-30 · source
Florida Citizens
Receding266,231
households on the insurer of last resort
down ~80% from the 2023 peak · as of 2026-08-31 · source
California households are still being pushed onto the last-resort plan while Florida’s are moving back to private carriers. Same crisis, opposite phase. That is why we track every state on its own, from primary sources. Full divergence data →
Tracked states
California
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
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
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
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
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
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
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
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.
Latest tracked events
See all 96 events →Texas Department of Insurance reports most homeowners rate filings since July 1 proposed decreases, averaging -4.3% over 90 days
The Texas Department of Insurance stated on October 8, 2026 that most homeowners insurance companies that filed rate changes with TDI since July 1 proposed decreases, affecting about 700,000 Texas policyholders, and that filed homeowners rate changes over the past 90 days averaged a 4.3% decrease. Among the decreases TDI named ASI Lloyds (a Progressive company), which filed a 6% decrease affecting 71,000 policyholders, and Texas Farm Bureau Mutual Insurance Company, which filed a 5.2% decrease affecting 133,000 policyholders; TDI states both are among the top 10 insurance groups in Texas by premium volume. These are filed rates, which TDI reviews against state law; the same release reports auto rate decreases, which are outside this tracker. Rate filings attach as history and set no carrier writing status.
Source: Texas Department of Insurance · verified 2026-10-12
Designated Oklahoma examiner denies the bid to disqualify the hearing examiner and the Commissioner in the noncompetitive-market case
An Order dated October 2, 2026 in case 26-0820-TRN, signed by Stephan S. Mathis as an Independent Hearing Examiner designated by the Insurance Commissioner under 75 O.S. section 316 to determine the question, denies the joint affidavit of the Oklahoma Attorney General and Bob Sullivan, an interested party of record, seeking disqualification of Independent Hearing Examiner John D. Miller and of Insurance Commissioner Glen Mulready. The order finds the movants "have not met their burden of overcoming the presumption of impartiality", denies the request that the Commissioner withdraw as moot on the ground that he has delegated his adjudicative authority to the hearing examiner and does not preside, overrules the movants’ September 29, 2026 joint objection, denies the request to stay substantive rulings, and directs that "the proceeding shall resume under the Hearing Examiner without further delay". It grants the requests to preserve the record of the September 4, 2026 prehearing conference and for a written order. On October 5, 2026 the Attorney General and Bob Sullivan moved to stay further proceedings pending an application to the Supreme Court of Oklahoma to assume original jurisdiction and a petition for writs of prohibition and mandamus; NAMIC and APCIA filed an objection to that motion on October 7, 2026. OID’s case docket carried 45 filings when read on October 12, 2026, against 41 on October 5, with no new hearing date set. A procedural order names no carrier and sets no carrier status.
Source: Oklahoma Insurance Department, Order in case 26-0820-TRN, October 2, 2026 · verified 2026-10-12
Governor signs AB 2038, extending post-disaster renewal and fire-perimeter non-renewal protections
The Governor’s office listed AB 2038 (Harabedian), Residential property insurance: cancellations and nonrenewals, among bills signed in its legislative update of September 30, 2026; leginfo records it approved September 30, 2026 and chaptered as Chapter 917, Statutes of 2026. Per the Legislative Counsel’s Digest, after a total loss to the primary insured structure caused by a disaster, an insurer must renew the policy for at least the next three annual renewal periods, and no less than 36 months of coverage from the date of loss (existing law: two renewals and 24 months). It also prohibits an insurer from cancelling or refusing to renew a residential property policy for a property in a ZIP Code within or adjacent to a fire perimeter for two years after the declaration of a state of emergency (existing law: one year, where based solely on the wildfire’s location). Names no carrier and sets no carrier status.
Source: Office of the Governor of California, legislative update, September 30, 2026 · verified 2026-10-05
Governor signs AB 2061, requiring the FAIR Plan to post policy counts by ZIP Code each quarter
The Governor’s office listed AB 2061 (Chen), California FAIR Plan Association: data, among bills signed on September 30, 2026; leginfo records it approved that day and chaptered as Chapter 918, Statutes of 2026. Per the Legislative Counsel’s Digest, the FAIR Plan Association must each quarter post on its website specified information, including the number of policies it has issued in each ZIP Code and its risk exposure, and the requirement to publish its toll-free number in telephone directories is deleted. The bill carries double-jointing language with AB 69, signed September 27. Scheduled output: quarterly ZIP-level FAIR Plan policy counts. Sets no carrier status.
Source: Office of the Governor of California, legislative update, September 30, 2026 · verified 2026-10-05
Events are appended weekly from regulator and residual-market sources. See methodology for cadence and verification rules.