Across U.S. states · every claim sourced and dated

Can you still insure a home here?

A current, sourced reference for whether home insurance is available, what it costs, and what the FAIR Plan covers, state by state, dated so you know exactly how current it is.

No email. No phone. We show you first.

Browse states or jump to the non-renewal playbook

Playbook

If you just got a non-renewal notice

What it means, how long you have, and exactly what to do this week.

Read the playbook ›

Buying A house in a fire or flood zone What your lender needs and by when. A realistic cost range. Don't kill the deal at the binder step.
Renewing When your premium just jumped 30% Why it happened. Whether you can dispute. How to shop without getting spammed.

536+ sourced facts tracked tracked states with the most active strain 2026-05-14 last full review

No quote. No email. No phone.

Quick estimator: which insurance market will your home land in?

Five inputs (your state, hazard exposure, non-renewal history, roof age, and whether the home pre-dates 1980) and the estimator returns which market you are likely heading for (standard, FAIR Plan plus a wrap, or surplus lines), the cost direction, and the specific next step for your situation. Runs entirely in your browser; nothing leaves the page.

Open the estimator →

Runs on the same 536+ sourced facts shown across the state pages; verified 2026-05-11.

The state of the market

Where the home-insurance crisis is right now

The 12 most-strained state markets right now, ranked by tier (carrier exits, rate filings, FAIR Plan growth). Each row links to the full sourced page. Full directory →

Browse all 51 states and their FAIR Plan status →

Crisis
Strained
Tightening
Stable / Open
No FAIR Plan

Home-insurance market status by state: a quick read, not a rating. Hover or tap a state for the label; click through for the sourced detail. Compiled from official FAIR Plans, state Departments of Insurance, NAIC, and the Insurance Information Institute. Method.

State	Market read	Max dwelling	Verified
California	Crisis	$3M	2026-05-11	Full page →
Alabama	Strained	$650K	2026-05-11	Full page →
Connecticut	Strained	$350K	2026-05-11	Full page →
Florida	Strained	$700K	2026-05-11	Full page →
Georgia	Strained	$2M	2026-05-11	Full page →
Hawaii	Strained	n/a	2026-05-11	Full page →
Illinois	Strained	n/a	2026-05-11	Full page →
Iowa	Strained	$300K	2026-05-11	Full page →
Maryland	Strained	n/a	2026-05-11	Full page →
Massachusetts	Strained	$1M	2026-05-11	Full page →
Michigan	Strained	n/a	2026-05-11	Full page →
Minnesota	Strained	$500K	2026-05-11	Full page →

Table: The most strained markets right now. Full directory at /states/. · Compiled from official FAIR Plans, state Departments of Insurance, NAIC, and the Insurance Information Institute. Each row links to that state's sourcing.

See the full state directory →

Editor's note · 2026-05-14

Home insurance is breaking in large parts of the country. We track the rules, the dates, and the dollar caps state by state, and publish the changes the day they happen. Every fact carries a source link and a verification date. If we connect you to a broker, we say so plainly, and the do-it-yourself link sits next to the broker link. Phone numbers are never required to read anything on this site. How we keep this current ›

The Still Insurable data desk