Is My ZIP Next?
You haven't been non-renewed yet, but you can see the trend in your state. Pick your state below for a structured rundown — carriers leaving, residual market, top hazards, regulator response, and what to do this month.
How to read these pages
Every state page below follows the same ten-section structure — non-renewal data, carriers leaving, the residual market option, top hazards, regulator actions, fortification programs, what homeowners are reporting, and three things to do this month. Identical structure on purpose: it lets you compare your state against a neighbor's in minutes, and it makes gaps obvious when one state has no answer where another does.
Each page carries a severity badge — critical, high, or elevated. The badge measures one thing: how hard it is for a homeowner to find and keep coverage in that state right now. It is not a hazard ranking. Montana burns more acres than Florida, but Florida's insurance market is in far worse shape, and the badges reflect that. We re-rate every state when we refresh the statistics each quarter.
The two cross-state articles at the bottom cover machinery that doesn't respect state lines: the risk scores insurers buy to decide who gets dropped, and the State Farm California drawdown that previews how a large-carrier exit unfolds.
State pages
- Florida — Citizens solvency, hurricane risk, AOB reform fallout.
- California — State Farm drawdown, FAIR Plan stress, wildfire scores.
- Louisiana — Louisiana Citizens, post-Ida carrier exits, depopulation.
- Texas — Hail belt non-renewals, freeze-event claims, TWIA coverage.
- Arizona — Wildland-urban interface growth, brush score thresholds.
- Colorado — Marshall Fire aftermath, hail deductibles, mountain WUI risk.
- New Mexico — Hermits Peak / Calf Canyon settlement, carrier appetite.
- Idaho — Smoke damage exclusions, rapid-growth WUI areas.
- Montana — Large-loss wildfire seasons, thin carrier roster.