About this site

InsuranceExit.org exists for one kind of reader: a US homeowner who has just received — or fears receiving — a homeowners insurance non-renewal notice because of climate risk. If that's you, you have a short window and a large decision, and most of what you'll find online is trying to sell you something. This site isn't.

What this site is — and isn't

It's structured, sourced, plain-English information. Decision trees, checklists, state-by-state explainers, and honest cost-benefit math on fortifying versus selling.

It is not:

• An affiliate site. There are no affiliate links anywhere on it.
• A quote engine or a lead-generation funnel. We don't collect your information to sell to agents.
• An insurance company, a broker, or an agent. We don't sell or recommend policies.
• A source of personal advice. It's general information. Your situation needs a licensed professional.

Who runs it

InsuranceExit.org is independently published and maintained. We publish without bylines, on purpose. This isn't about who we are — it's about whether the numbers are right and the sources hold up. We'd rather you trust the citations than a name. InsuranceExit.org is not a licensed insurance broker or advisor, which is exactly why every page tells you to confirm your own situation with one.

If that makes you skeptical, good. Skepticism is the right posture in this market. So check the work: every statistic on this site is dated and traceable to a named public source. If a number doesn't hold up, we want to hear about it.

How it's funded

Right now, it isn't. There is no revenue. No ads, no affiliate commissions, no sponsored content, no lead-gen fees, no selling of reader data. The site is independently funded and runs at its own cost.

That could change. If it ever grows enough to need a funding model, the only ones on the table are those that don't create a conflict of interest with the reader — for example, reader donations or a clearly-labeled non-conflicted arrangement. What will not happen quietly: affiliate links, "compare quotes" widgets, or selling your information. If the funding model ever changes, this section is the first place it will be disclosed, with the date it changed.

How the information is produced

Every page is built from public, primary sources, and every statistic carries a date so you can see how current it is. The two reports the site leans on most:

• U.S. Treasury Federal Insurance Office (FIO), January 2025 report: Analyses of U.S. Homeowners Insurance Markets, 2018–2022: Climate-Related Risks and Other Factors.
• U.S. Senate Budget Committee, December 2024 staff report: "Next to Fall: The Climate-Driven Insurance Crisis Is Here — And Getting Worse."

Those are supplemented by the most recent public data from the National Association of Insurance Commissioners (NAIC), individual state insurance departments (Florida OIR, California CDI, Louisiana LDI, Texas TDI, and others), insurer 10-K filings, the residual-market entities themselves (Florida Citizens, the California FAIR Plan, Louisiana Citizens), and hazard data from FEMA, NOAA, USGS, and IBHS. Reports are paraphrased and cited by name — never reproduced verbatim.

Insurance markets move fast, so pages are updated as new data lands. Each page shows its own "Last updated" date. A date that looks old means exactly that: treat the numbers as a starting point and confirm the current figures yourself.

What we can't promise

That the information is right for your situation. Rules are state-specific and change with every legislative session and rate filing. This site is an orientation tool — a way to learn the vocabulary and understand your options before you act. Before you make a decision worth six figures, confirm the specifics with your state's Department of Insurance or a licensed professional. That isn't a disclaimer formality; it's the honest limit of what a website can do for you.

Found an error?

Tell us. If a statistic is stale, a source is wrong, or a state page misstates the law, that's a problem we want to fix. Use the contact page and point to the specific claim. Corrections are the whole point.