The coverage map
Carrier-by-carrier status for the three states where the market moved hardest: California, Florida, and Texas. Every row is dated and sourced from regulator or carrier records. More states will be added as they are verified, not before.
The FAIR Plan, the state’s insurer of last resort, held 684,388 policies and about $750 billion in exposure by March 2026. A 29.1 percent average dwelling rate increase takes effect October 15, 2026, and the dwelling limit is $3 million as of 2026. California law requires at least 75 days’ notice before a residential non-renewal (Insurance Code section 678). After the January 2025 Palisades and Eaton fires, a one-year moratorium barred cancellations in affected ZIP codes through January 7, 2026, and the FAIR Plan absorbed an estimated $4 billion in losses, triggering a $1 billion assessment on the state’s insurers.
| Carrier | New home business? | The record |
|---|---|---|
| State Farm General (#1 in CA) | Paused | No new home applications since May 27, 2023. March 2026 settlement keeps existing policies in force through the end of 2026. |
| Allstate | Paused | Paused since November 2022. Has signaled a return under the state's new pricing rules; no approved filing confirmed as of May 2026. |
| Farmers | Open | Monthly cap raised to 9,500 in December 2024, then removed entirely on November 21, 2025 under a new rating plan. |
| Mercury | Open, expanding | One of the first two carriers approved under catastrophe-model pricing, December 2025. Also absorbed Tokio Marine's California personal lines book in 2024. |
| CSAA (AAA Northern California) | Open, expanding | The other first catastrophe-model approval, December 2025. |
| Chubb | Restricted | Shrinking high-value wildfire-exposed business since 2021. No announced reversal. |
| Tokio Marine / Trans Pacific | Exited | Homeowners and umbrella withdrawal filed April 2024; Mercury assumed the book. |
| Liberty Mutual / Safeco | Exited condo and renters | Stopped new condo and renters policies January 1, 2025; non-renewing the remainder during 2026. |
Citizens, the state-backed insurer, fell from a 2023 peak of about 1.42 million policies to 278,061 by July 24, 2026, as depopulation moved policies to private carriers. In December 2025 Citizens recommended rate decreases for most policyholders, its first since 2015, and by late November 2025 the state had logged 73 rate-decrease filings and 94 zero-increase filings. Florida law requires 120 days’ written notice before non-renewal of a residential policy (statute 627.4133).
| Carrier | New home business? | The record |
|---|---|---|
| Citizens (state-backed) | Open, last resort | 278,061 policies in force as of July 24, 2026, down from a 1.42 million peak in 2023 as private carriers absorb policies. |
| State Farm Florida | Open, selective | Roughly 640,000 Florida policies; 2026 underwriting is restrictive on coastal ZIPs, 15-plus-year roofs, and pre-2001 homes. |
| Progressive Home (ASI) | Restricted | Announced more than 100,000 non-renewals in April 2024; writing in parts of the state, not statewide, as of 2026. |
| Farmers (Farmers-branded) | Exited | Left in July 2023, about 100,000 policyholders; Slide acquired the renewal rights. Foremost and Bristol West subsidiaries still operate. |
| Slide | Open, growing | Major Citizens takeout writer; authorized to assume up to 100,000 more Citizens policies February to April 2026. |
| Mangrove Property | Open | New entrant licensed January 15, 2025; authorized for up to roughly 162,000 Citizens assumptions in 2025. |
| Loggerhead | Open | Approved in late 2022, writing Florida homeowners. |
| New entrants since reform | Open | 20 property and casualty carriers have entered Florida since the 2022-23 legislative reforms, per the state regulator in May 2026. |
Texas has two last-resort mechanisms. TWIA writes wind and hail only, in 14 coastal counties plus part of Harris County east of Highway 146: 286,251 policies and $127.1 billion in exposure as of the first quarter of 2026. The Texas FAIR Plan, the all-peril residual market, held 127,835 policies at the end of 2025, up 23 percent in a year, with Harris County the largest county at 64,257. Texas law requires notice by the 60th day before expiration (Insurance Code 551.105); miss it and the insurer must renew on request. Statewide average rate increases decelerated from 21.1 percent in 2023 to 4.3 percent in 2025, while Texas led the nation in 2025 hail losses with more than 235,000 damaged homes.
| Carrier | New home business? | The record |
|---|---|---|
| State Farm | Open | Largest Texas writer; no announced pause. Statewide average rate increases of about 20 percent were taken in 2023 and 2024. |
| Allstate | Open | No announced statewide pause as of 2026. |
| USAA | Open | Military families and their relatives only. |
| Farmers | Open | Farmers brand open; subsidiary Foremost non-renewed a block of Texas property policies in 2024. |
| Progressive | Paused | Stopped new Texas home policies August 13, 2024, and had not resumed as of 2026 reviews. |
| State | Non-renewal notice required | Statute |
|---|---|---|
| California | 75 days before expiration | Ins. Code § 678 |
| Florida | 120 days' written notice | Fla. Stat. § 627.4133(2) |
| Texas | By the 60th day before expiration | Tex. Ins. Code § 551.105 |
That window is the real shopping clock a dropped homeowner gets. The Uninsurable America files track what happens inside it.
Every figure on this page traces to the records below, with the data vintage stated in the table.