https://stillinsurable.com/changelog/ Dated record of every data point that has changed on this site. The previous value, the new value, the change date, and the source we re-checked it against. en-US Thu, 18 Jun 2026 00:00:00 GMT https://stillinsurable.com/massachusetts-fair-plan/ state:MA:carriers_pulled_back@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: Several carriers have modified or stopped writing on Martha's Vineyard / coastal MA as of 2024: Plymouth Rock, Narragansett Bay Insurance Co (NBIC), Openly, and Swyfft all modified or stopped policies on Martha's Vineyard. More broadly, multiple carriers have tightened coastal Cape & Islands underwriting (roof age, di… · Now: Plymouth Rock, Narragansett Bay Insurance Co (NBIC), Openly, and Swyfft all modified or stopped writing on Martha's Vineyard (2024). Main Street America Insurance announced a full personal-lines exit from Massachusetts, with homeowners, dwelling fire, and umbrella non-renewals beginning May 1, 2025; auto policies are … · Source: CommonWealth Beacon / Risman Insurance Agencies CommonWealth Beacon / Risman Insurance Agencies https://stillinsurable.com/idaho-fair-plan/ state:ID:rate_approval_regime@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: Idaho is a file-and-use state for personal-lines property/casualty rate filings. Carriers must file rates with IDOI but may use them without prior approval, subject to IDOI review for adequacy, excessiveness, and unfair discrimination. The file-and-use regime is the structural reason average premium increases in Idaho… · Now: Idaho uses a use-and-file regime for personal-lines property/casualty rate filings. Carriers may implement new rates immediately upon the effective date and must file with IDOI within 30 days of that date; no waiting period or prior approval is required. IDOI reviews filings after the fact for adequacy, excessiveness,… · Source: Idaho Department of Insurance, Property and Casualty Rate Checklist and Certification (form 0422PCRcklst), citing Bulletin 91-1 and IDAPA 18.02.01 Idaho Department of Insurance, Property and Casualty Rate Checklist and Certification (form 0422PCRcklst), citing Bulletin 91-1 and IDAPA 18.02.01 https://stillinsurable.com/massachusetts-fair-plan/ state:MA:recent_changes@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: MPIUA insured more than 173,000 properties in 2024, its first single-year increase in policies since 2017 and its largest single-year jump in ~two decades. On Cape Cod and the Islands, nearly 40% of homes are now insured through the FAIR Plan (up from ~33% in 2023). Statewide homeowners premiums rose ~16% in 2025 (vs … · Now: Statewide homeowners premiums rose 12.7% in 2024, per the MA DOI 2024 Annual Home Insurance Market Report (issued December 2025). The FAIR Plan grew by 24,436 policies in fiscal year 2024, reaching more than 173,000 insured properties - the largest single-year increase since 2007. On Cape Cod and the Islands, 39.6% of… · Source: Massachusetts Division of Insurance 2024 Annual Home Insurance Market Report / CommonWealth Beacon Massachusetts Division of Insurance 2024 Annual Home Insurance Market Report / CommonWealth Beacon https://stillinsurable.com/nevada-fair-plan/ state:NV:non_renewal_rules@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: Nevada requires written notice for cancellation or nonrenewal under NRS 687B.320-687B.350. Cancellation: at least 10 days for nonpayment, 30 days for other grounds. Nonrenewal: at least 30 days for personal lines (60 days for commercial). Policies in force 70+ days or renewed cannot be midterm-canceled except on enume… · Now: Nevada requires written notice for cancellation or nonrenewal under NRS 687B.320-687B.350. Cancellation: at least 10 days for nonpayment, 30 days for other grounds. Nonrenewal: at least 30 days for personal lines (60 days for commercial). Policies in force 70+ days or renewed cannot be midterm-canceled except on enume… · Source: Nevada Revised Statutes § 687B.320 (Nevada Legislature) Nevada Revised Statutes § 687B.320 (Nevada Legislature) https://stillinsurable.com/nevada-fair-plan/ state:NV:wildfire_cancellation_data@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: Per Nevada Division of Insurance 2025 Insurance Market Report: in 2023, 481 homeowners policies in Nevada were canceled or non-renewed due to wildfire risk (an 82% increase from 264 in 2022). Nearly 5,000 homeowners applications were declined for wildfire risk in 2023, a 104.8% increase from ~2,400 in 2022. · Now: Per Nevada Division of Insurance 2025 Insurance Market Report: in 2023, 481 homeowners policies in Nevada were canceled or non-renewed due to wildfire risk (an 82% increase from 264 in 2022). Nearly 5,000 homeowners applications were declined for wildfire risk in 2023, a 104.8% increase from approximately 2,400 in 202… · Source: Nevada Division of Insurance 2025 Insurance Market Report + NDOI legislative testimony (interim Committee on Commerce and Labor, 2025) Nevada Division of Insurance 2025 Insurance Market Report + NDOI legislative testimony (interim Committee on Commerce and Labor, 2025) https://stillinsurable.com/minnesota-fair-plan/ state:MN:recent_changes@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: Per III FY2024 reporting: approximately 4,261 policies in force, total exposure approximately $457 million. Minnesota saw rising homeowners insurance rates driven by severe storm/hail losses, MN is among the most hail-active states. In 2024, Minn. Stat. 65A.29 was amended to add an explicit non-renewal ground: three o… · Now: Per III FY2024 reporting: approximately 4,261 policies in force, total exposure approximately $457 million. Minnesota saw rising homeowners insurance rates driven by severe storm/hail losses; MN is among the most hail-active states. In 2024, Minn. Stat. 65A.29 was amended to add an explicit non-renewal ground: three o… · Source: Minnesota Laws 2025, 1st Special Session, Chapter 4 (MN Revisor) Minnesota Laws 2025, 1st Special Session, Chapter 4 (MN Revisor) https://stillinsurable.com/new-jersey-fair-plan/ state:NJ:state_doi_consumer_url@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: https://www.nj.gov/dobi/division_consumers/insurance/homeowners.htm · Now: https://www.nj.gov/dobi/division_consumers/insurance/homeowner.htm · Source: New Jersey Department of Banking and Insurance New Jersey Department of Banking and Insurance https://stillinsurable.com/louisiana-fair-plan/ state:LA:non_renewal_rules@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: Louisiana's '3-year rule' (La. R.S. 22:1265) was materially WEAKENED by HB 611 (Act of 2024 Regular Session), effective August 1, 2024. For policies ISSUED AFTER August 1, 2024, the 3-year rule does NOT apply at all (new Subsection K) - insurers can non-renew at the standard notice period regardless of tenure. For p… · Now: NOTICE PERIOD: Louisiana HB 345 (Act 182, 2025 Regular Session), effective July 1, 2026, extends the written notice period for cancellations and non-renewals from 30 days to 60 days for most property and casualty policies including homeowners (La. R.S. 22:887, 22:1266, 22:1267, 22:1335); nonpayment of premium still tr… · Source: La. R.S. 22:887 (as amended by HB 345 / Act 182, 2025 Reg. Session, eff. 2026-07-01) + La. R.S. 22:1265 (post HB 611 / 2024 Reg. Session), Louisiana Legislature La. R.S. 22:887 (as amended by HB 345 / Act 182, 2025 Reg. Session, eff. 2026-07-01) + La. R.S. 22:1265 (post HB 611 / 2024 Reg. Session), Louisiana Legislature https://stillinsurable.com/new-jersey-fair-plan/ state:NJ:lodging_or_other_notes@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: NJIUA is funded by premiums plus assessments on member insurers (all admitted NJ property insurers, by market share), with the New Jersey Insurance Development Fund (N.J.S.A. 17:37A-18 et seq.) as a statutory backstop; a 'FAIR Plan surcharge' regulation (N.J.A.C. 11:1-5.1) governs how deficits can be recovered. NJIUA … · Now: NJIUA is funded by premiums plus assessments on member insurers (all admitted NJ property insurers, by market share), with the New Jersey Insurance Development Fund (N.J.S.A. 17:37A-18 et seq.) as a statutory backstop; a 'FAIR Plan surcharge' regulation (N.J.A.C. 11:1-5.1) governs how deficits can be recovered. NJIUA … · Source: N.J.A.C. 11:1-5.1; New Jersey Department of Banking and Insurance (nj.gov/dobi) N.J.A.C. 11:1-5.1; New Jersey Department of Banking and Insurance (nj.gov/dobi) https://stillinsurable.com/kansas-fair-plan/ state:KS:non_renewal_rules@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: Kansas requires at least 30 days' written notice before a homeowners policy non-renewal per the Kansas Insurance Department Home and Renters Shopper's Guide. No specific Kan. Stat. Ann. section governing a personal-lines homeowners nonrenewal-notice period is findable in the public Kansas statute database: K.S.A. § 40… · Now: Kansas requires at least 30 days written notice before cancellation of a fire or casualty policy (K.A.R. 40-3-15, a Kansas administrative regulation). For NON-renewal: Kansas requires at least 30 days' written notice before a homeowners policy non-renewal per the Kansas Insurance Department Home and Renters Shopper's … · Source: K.A.R. 40-3-15 (Kansas Administrative Regulations, cancellation notice); Kansas Insurance Department Home and Renters Shopper’s Guide (nonrenewal guidance, not codified) K.A.R. 40-3-15 (Kansas Administrative Regulations, cancellation notice); Kansas Insurance Department Home and Renters Shopper’s Guide (nonrenewal guidance, not codified) https://stillinsurable.com/north-dakota-fair-plan/ state:ND:regulatory_authority@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: North Dakota Insurance Department · Now: North Dakota Insurance and Securities Department · Source: North Dakota Insurance and Securities Department Contact Us North Dakota Insurance and Securities Department Contact Us https://stillinsurable.com/mississippi-fair-plan/ state:MS:non_renewal_rules@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: Governed by Miss. Code §83-5-28 and Mississippi HB 1611 (2025 session, signed by Governor 2025-03-21). Two regimes apply in a transition window that closes within weeks: for policies issued or renewed THROUGH June 30, 2026 the carrier must give 30 days written notice for cancellation, reduction in coverage, or non-ren… · Now: Governed by Miss. Code 83-5-28 as amended by Mississippi HB 1611 (2025 session, signed by the Governor 2025-03-21, effective 2025-07-01). The 45-day notice requirement is now in effect for all personal-lines property and casualty policies: carriers must give 45 days written notice before any cancellation, reduction in… · Source: Mississippi HB 1611 (2025 Regular Session; signed 2025-03-21; effective 2025-07-01) + SB 2130 (2024) + MID Bulletin 2024-2 Mississippi HB 1611 (2025 Regular Session; signed 2025-03-21; effective 2025-07-01) + SB 2130 (2024) + MID Bulletin 2024-2 https://stillinsurable.com/montana-fair-plan/ state:MT:hero_stat_override@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: 22.1% · Now: 22.1% · Source: S&P Global Market Intelligence RateWatch / NAIC rate-filing data; Insurance Information Institute S&P Global Market Intelligence RateWatch / NAIC rate-filing data; Insurance Information Institute https://stillinsurable.com/montana-fair-plan/ state:MT:market_outlook_2026@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: Montana's homeowners market is among the most stressed in the country on availability and pricing. Rates rose 22.1% in 2024 (tied for largest one-year jump nationally) and another 18% in 2025; six-year cumulative growth is ~57.8%. Wildfire is the primary driver, with one in three Montana homes at moderate-to-high risk… · Now: Montana's homeowners market is among the most stressed in the country on availability and pricing. Rates rose 22.1% in 2024 (tied for largest one-year jump nationally, per S&P Global Market Intelligence RateWatch / NAIC rate-filing data) and approximately 18% in 2025 per separate insurer-filing aggregations; six-year … · Source: S&P Global Market Intelligence RateWatch / NAIC rate-filing data; Headwaters Economics; Daily Montanan S&P Global Market Intelligence RateWatch / NAIC rate-filing data; Headwaters Economics; Daily Montanan https://stillinsurable.com/iowa-fair-plan/ state:IA:premium_positioning@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: Generally more expensive than the standard market for narrower coverage; ACV basis (no replacement cost) means lower effective coverage than a typical homeowners policy. Iowa home insurance rates rose materially in 2024 amid rising tornadoes, hailstorms, and insurer rate increases. Iowa FAIR Plan explicitly describes … · Now: Generally more expensive than the standard market for narrower coverage; ACV basis (no replacement cost) means lower effective coverage than a typical homeowners policy. Iowa home insurance rates rose materially in 2024 amid rising tornadoes, hailstorms, and insurer rate increases. Iowa FAIR Plan explicitly describes … · Source: Iowa FAIR Plan Association ('last resort' framing); 2024-2025 rate-increase figures reported by The Gazette Iowa (March 2026), citing secondary-aggregator rate estimates Iowa FAIR Plan Association ('last resort' framing); 2024-2025 rate-increase figures reported by The Gazette Iowa (March 2026), citing secondary-aggregator rate estimates https://stillinsurable.com/nebraska-fair-plan/ state:NE:roof_coverage_practice@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: Since 2022-2023, Nebraska homeowners insurance carriers have increasingly shifted roof coverage from replacement cost value (RCV) to actual cash value (ACV) endorsements, with depreciation schedules tied to roof age. This is a market-driven response to hail-loss frequency rather than a statutory mandate; the underlyin… · Now: Since 2022-2023, Nebraska homeowners insurance carriers have increasingly shifted roof coverage from replacement cost value (RCV) to actual cash value (ACV) endorsements, with depreciation schedules tied to roof age. This is a market-driven response to hail-loss frequency rather than a statutory mandate; the underlyin… · Source: Nebraska Department of Insurance, Rules and Regulations Index (210 NAC Chapter 60) Nebraska Department of Insurance, Rules and Regulations Index (210 NAC Chapter 60) https://stillinsurable.com/georgia-fair-plan/ state:GA:eligibility_rule@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: FAIR Plan / market of last resort: available to any person with an insurable interest in Georgia property who is unable to obtain property insurance in the standard (admitted) market. Georgia does not publish a fixed numeric declination count in statute; the practical gate is that GUA only writes risks the voluntary m… · Now: FAIR Plan / market of last resort: available to any person with an insurable interest in Georgia property who is unable to obtain property insurance in the standard (admitted) market. Georgia does not publish a fixed numeric declination count in statute; the practical gate is that GUA only writes risks the voluntary m… · Source: Georgia Underwriting Association (official plan operator) / O.C.G.A. § 33-33-1 Georgia Underwriting Association (official plan operator) / O.C.G.A. § 33-33-1 https://stillinsurable.com/new-jersey-fair-plan/ state:NJ:non_renewal_rules@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: New Jersey (N.J.A.C. 11:1-20, Renewal, Cancellation and Nonrenewal of Commercial and Homeowners Insurance Policies; and N.J.S.A. 17:36-5.16 et seq.): N.J.A.C. 11:1-20.4(l) permits insurers to cancel a policy for any non-prohibited reason during the FIRST 60 days the policy is in effect; the restricted-grounds protecti… · Now: New Jersey (N.J.A.C. 11:1-20, Renewal, Cancellation and Nonrenewal of Commercial and Homeowners Insurance Policies; and N.J.S.A. 17:36-5.16 et seq.): N.J.A.C. 11:1-20.4(l) permits insurers to cancel a policy for any non-prohibited reason during the FIRST 60 days the policy is in effect; the restricted-grounds protecti… · Source: New Jersey Department of Banking and Insurance - Home Insurance Basics; N.J.A.C. 11:1-20 (renewal, cancellation and nonrenewal of commercial and homeowners insurance policies); N.J.S.A. 17:36-5.16 et seq.; N.J.S.A. 17:36-5.20a New Jersey Department of Banking and Insurance - Home Insurance Basics; N.J.A.C. 11:1-20 (renewal, cancellation and nonrenewal of commercial and homeowners insurance policies); N.J.S.A. 17:36-5.16 et seq.; N.J.S.A. 17:36-5.20a https://stillinsurable.com/new-york-fair-plan/ state:NY:recent_changes@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: NYPIUA wrote 20,669 habitational policies and 1,556 commercial policies in FY2024 (total exposure: $7.633 billion), small relative to the CA / FL / TX / LA coastal pools. Pressure points: Long Island / NYC coastal-area carriers tightening hurricane-exposure underwriting and roof-age standards, raising hurricane percen… · Now: NYPIUA wrote 20,669 habitational policies and 1,556 commercial policies in FY2024 (total exposure: $7.633 billion), small relative to the CA / FL / TX / LA coastal pools. Pressure points: Long Island / NYC coastal-area carriers tightening hurricane-exposure underwriting and roof-age standards, raising hurricane percen… · Source: Insurance Information Institute, FAIR Plans by State, FY2024 (NYPIUA row) Insurance Information Institute, FAIR Plans by State, FY2024 (NYPIUA row) https://stillinsurable.com/idaho-fair-plan/ state:ID:recent_changes@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: April 22, 2025: IDOI issues Bulletin 25-02 launching statewide Property Insurance Market Data Call. 2025 legislative session: HB 17 and HB 384 (wildfire mitigation fund proposals) introduced and held in committee; no enactment. Summer to fall 2024: Idaho experiences worst wildfire season since 2012, approximately 826,… · Now: April 22, 2025: IDOI issues Bulletin 25-02 launching statewide Property Insurance Market Data Call. 2025 legislative session: HB 17 and HB 384 (wildfire mitigation fund proposals) introduced and held in committee; no enactment. Summer to fall 2024: Idaho experiences worst wildfire season since 2012, approximately 826,… · Source: Idaho Legislature HB 562 / HB 618 / HB 619 (2026 session) + IDOI Idaho Legislature HB 562 / HB 618 / HB 619 (2026 session) + IDOI https://stillinsurable.com/indiana-fair-plan/ state:IN:non_renewal_rules@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: Residential property insurance non-renewal: insurer must mail written notice to named insured at least 20 days before policy expiration (Ind. Code 27-7-12-4). Cancellation: 10 days notice for non-payment; 20 days for mid-term cancellations after 60 days in force. No standing post-disaster non-renewal moratorium in Ind… · Now: Residential property insurance non-renewal: insurer must mail written notice to the named insured at least 60 days before policy expiration (Ind. Code 27-7-12-4, as amended by HEA 1260 / Public Law 86, effective 2026-07-01; the prior notice period was 20 days). Cancellation: 10 days notice for non-payment; 20 days for… · Source: Indiana HEA 1260 / Public Law 86 (2026) amending IC 27-7-12-4 (Indiana General Assembly) Indiana HEA 1260 / Public Law 86 (2026) amending IC 27-7-12-4 (Indiana General Assembly) https://stillinsurable.com/maine-fair-plan/ state:ME:premium_baseline@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: According to the NAIC May 2025 dwelling-fire and homeowners report, Maine had the 10th-lowest average homeowners insurance premiums in 2022 (the most recent year for which NAIC state-level data is available). Maine has held the 9th, 10th, or 11th-lowest position since 2009 and has had the lowest average premiums in Ne… · Now: According to the NAIC May 2025 dwelling-fire and homeowners report, Maine had the 10th-lowest average homeowners insurance premiums in 2022 (the most recent year for which NAIC state-level data is available). Maine has held the 9th, 10th, or 11th-lowest position since 2009 and has had the lowest average premiums in Ne… · Source: Maine Bureau of Insurance, 2025 P&C Availability Report; 2025 rate figures per Insurance Journal (April 2026) citing Maine BOI; NAIC Homeowners Report 2022 data (May 2025) Maine Bureau of Insurance, 2025 P&C Availability Report; 2025 rate figures per Insurance Journal (April 2026) citing Maine BOI; NAIC Homeowners Report 2022 data (May 2025) https://stillinsurable.com/louisiana-fair-plan/ state:LA:recent_changes@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: LA Citizens enrollment surged after the 2020-2021 hurricane wave (Laura, Delta, Zeta, Ida) and the resulting insolvency of roughly a dozen carriers, peaking at approximately 140,000 policies in summer 2023; since 2024 it has been shrinking via the depopulation program (Round 23 assumption date April 1, 2026), as the p… · Now: LA Citizens enrollment surged after the 2020-2021 hurricane wave (Laura, Delta, Zeta, Ida) and the resulting insolvency of roughly a dozen carriers, peaking at approximately 140,000 policies in summer 2023. As of November 2025, the policy count stood at approximately 105,000 (down from the summer 2023 peak but still m… · Source: NOLA.com (2025-11-30) / Louisiana Citizens Property Insurance Corporation / Louisiana Department of Insurance / Insurance Journal NOLA.com (2025-11-30) / Louisiana Citizens Property Insurance Corporation / Louisiana Department of Insurance / Insurance Journal https://stillinsurable.com/louisiana-fair-plan/ state:LA:premium_positioning@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: Historically more expensive than the private market by design: La. R.S. 22:2303 requires LA Citizens' rates to be set at least 10% above the highest rate charged by any admitted private insurer in the parish, an intentional disincentive to keep it a true last resort. Coverage scope is broadly comparable to a standard … · Now: Historically more expensive than the private market by design: La. R.S. 22:2303 requires LA Citizens' rates to be set at least 10% above the highest rate charged by any admitted private insurer in the parish, an intentional last-resort disincentive. LA Citizens imposed a roughly 63% statewide rate increase effective J… · Source: Louisiana Citizens Property Insurance Corporation (Oct 2025 rate change announcement) / Louisiana Department of Insurance / Louisiana State Legislature (Act 757, 2024 RS) Louisiana Citizens Property Insurance Corporation (Oct 2025 rate change announcement) / Louisiana Department of Insurance / Louisiana State Legislature (Act 757, 2024 RS) https://stillinsurable.com/minnesota-fair-plan/ state:MN:eligibility_rule@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: Applicants must have been 'canceled, non-renewed, or otherwise unable to obtain coverage from an insurer in the private market' before qualifying. Documentation of rejection from the standard market required. Property must meet minimum insurability standards. Homeowners coverage available only for owner-occupied prima… · Now: Applicants must have been canceled, non-renewed, or otherwise unable to obtain coverage from an insurer in the private market before qualifying. Documentation of rejection from the standard market required. Property must meet minimum insurability standards. Homeowners coverage available only for owner-occupied primary… · Source: Minnesota Laws 2025, 1st Special Session, Chapter 4 (MN Revisor) Minnesota Laws 2025, 1st Special Session, Chapter 4 (MN Revisor) https://stillinsurable.com/nebraska-fair-plan/ state:NE:premium_growth_2024@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: Nebraska homeowners insurance premiums rose approximately 22.1 percent in 2024 (tied with Montana for the largest one-year jump nationally per S&P Global Market Intelligence rate-filing aggregation); S&P Global puts the figure at a weighted average of 22.7 percent. Secondary rate-quote aggregators place the 2025 Nebra… · Now: Nebraska homeowners insurance premiums rose approximately 22.7 percent (weighted average) in 2024 per S&P Global Market Intelligence rate-filing aggregation, the largest one-year jump nationally. Nebraska ranked sole #1; Montana ranked #2 at 22 percent and Iowa ranked #3 at 21.1 percent. Secondary rate-quote aggregato… · Source: Carrier Management (citing S&P Global Market Intelligence rate-filing data, January 2025) Carrier Management (citing S&P Global Market Intelligence rate-filing data, January 2025) https://stillinsurable.com/tennessee-fair-plan/ state:TN:inquiry_vs_claim_protection@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: Tenn. Code § 56-7-113 bars insurers from increasing premium or canceling a homeowners policy solely on the basis of an inquiry; a violation is an unfair trade practice under the Tennessee Unfair Trade Practices and Unfair Claims Settlement Act of 2009. · Now: Tenn. Code § 56-7-113 bars insurers from increasing premium or canceling a homeowners policy solely on the basis of an inquiry; a violation is an unfair trade practice under the Tennessee Unfair Trade Practices and Unfair Claims Settlement Act of 2009. · Source: Tennessee Department of Commerce and Insurance, Insurance Division - Rules and Laws (TCA Title 56) Tennessee Department of Commerce and Insurance, Insurance Division - Rules and Laws (TCA Title 56) https://stillinsurable.com/alaska-fair-plan/ state:AK:non_renewal_rules@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: Alaska's cancellation and nonrenewal rules sit in two distinct statutes. AS 21.36.220 governs MID-TERM CANCELLATION: at least 30 days' notice for personal property/casualty (20 days for nonpayment of premium, 10 days for fraud or crime); 60 days for commercial. AS 21.36.240 governs NONRENEWAL: 20 days' written notice … · Now: Alaska's cancellation and nonrenewal rules sit in two distinct statutes. AS 21.36.220 governs MID-TERM CANCELLATION: at least 30 days' notice for personal property/casualty (20 days for nonpayment of premium, 10 days for fraud or crime); 60 days for commercial. AS 21.36.240 governs NONRENEWAL: as amended by SB 132 (Ch… · Source: Alaska Statutes AS 21.36.220 (mid-term cancellation) + AS 21.36.240 (nonrenewal, as amended by SB 132 / Ch. 17 SLA 25, 2025) Alaska Statutes AS 21.36.220 (mid-term cancellation) + AS 21.36.240 (nonrenewal, as amended by SB 132 / Ch. 17 SLA 25, 2025) https://stillinsurable.com/utah-fair-plan/ state:UT:premium_baseline@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: Utah average homeowners premium in 2024 ranged from approximately $1,168 to $1,541 depending on methodology, with most sources clustering around $1,200 to $1,500 for a typical replacement-cost policy. The standout figure for Utah is the speed of increase: premiums grew approximately 59 percent from 2021 to 2024 vs a n… · Now: Utah average homeowners premium in 2024 ranged from approximately $1,168 to $1,541 depending on methodology, with most sources clustering around $1,200 to $1,500 for a typical replacement-cost policy. The standout figure for Utah is the speed of increase: premiums grew approximately 59 percent from 2021 to 2024 per th… · Source: Utah Insurance Department, June 2025 Insurance Market Update; Consumer Federation of America, Overburdened: The Dramatic Increase in Homeowners Insurance Premiums (April 2025); NAIC state rate-filing data Utah Insurance Department, June 2025 Insurance Market Update; Consumer Federation of America, Overburdened: The Dramatic Increase in Homeowners Insurance Premiums (April 2025); NAIC state rate-filing data https://stillinsurable.com/hawaii-fair-plan/ state:HI:carriers_pulled_back@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: The 2023-2025 stress was concentrated in CONDO master policies (the hurricane layer) rather than single-family homeowners, many primary insurers cut their hurricane sub-limits (to roughly 20-30% of building value), forcing condo AOAOs to buy expensive E&S hurricane excess. After the August 2023 Lahaina fire some carri… · Now: Universal Property & Casualty Insurance Company (UPC) exited the Hawaii homeowners, condominium, and renters insurance market statewide. Non-renewals began with policies having anniversary dates on or after September 1, 2023; last policies effective August 31, 2024. Approximately 1,500 Hawaii policies were affected, w… · Source: Hawaii DCCA / Governor's Office - UPC Exit News Release Hawaii DCCA / Governor's Office - UPC Exit News Release https://stillinsurable.com/connecticut-fair-plan/ state:CT:non_renewal_rules@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: Connecticut (Conn. Gen. Stat. § 38a-323): a personal-risk (homeowners) insurer must give at least 60 days' advance written notice of intent not to renew, and the notice must state or be accompanied by the reason for non-renewal; the same 60-day notice applies to a conditional renewal that materially increases premium … · Now: Connecticut (Conn. Gen. Stat. § 38a-323): a personal-risk (homeowners) insurer must give at least 60 days advance written notice of intent not to renew, and the notice must state or be accompanied by the reason for non-renewal; the same 60-day notice applies to a conditional renewal that materially increases premium o… · Source: Conn. Gen. Stat. § 38a-323 (Connecticut General Assembly); Public Act 25-87 (Substitute HB 6981, signed June 23, 2025, eff. July 1, 2025) Conn. Gen. Stat. § 38a-323 (Connecticut General Assembly); Public Act 25-87 (Substitute HB 6981, signed June 23, 2025, eff. July 1, 2025) https://stillinsurable.com/tennessee-fair-plan/ state:TN:tornado_exposure@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: Tennessee recorded 1,392 tornadoes 1950-2024 per NOAA SPC (425 fatalities, 5,098 injuries; 1 F5/EF5; 122 EF3+). Annual average 1995-2025 = ~31 tornadoes/yr; long-run 1950-2025 average ~19/yr. Recent years: 2020 = 35 (27 deaths, incl. Putnam County EF4 with 19 deaths), 2021 = 66, 2022 = 5, 2023 = 40 (17 deaths, incl. D… · Now: Tennessee recorded 1,456 tornadoes 1950-2025 per NOAA NWS Nashville (408 fatalities, 5,098 injuries on prior injury count; EF5/F5 count: 1; EF3+ count: 122). Annual average 1995-2025 = ~31 tornadoes/yr; long-run 1950-2025 average ~19/yr. Recent years: 2020 = 35 (27 deaths, incl. Putnam County EF4 with 19 deaths), 2021… · Source: NOAA / NWS Nashville Tennessee Tornado Statistics NOAA / NWS Nashville Tennessee Tornado Statistics https://stillinsurable.com/alaska-fair-plan/ state:AK:recent_changes@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: Jan 15, 2025: Sen. Bert Stedman (R, Southeast Alaska District A) introduces Senate Bill 11 to create the Alaska Flood Authority, which would offer state flood insurance mirroring NFIP coverage limits, funded entirely by premiums, with regulatory oversight by the Alaska Division of Insurance; bill would take effect Jul… · Now: June 24, 2025: Governor Dunleavy signs SB 132 (Ch. 17 SLA 25), Omnibus Insurance Bill. Effective January 1, 2026: personal-lines nonrenewal notice extended from 20 days to 45 days under AS 21.36.240; nonrenewal of a personal insurance policy limited to the policy's annual anniversary date; new protection added against… · Source: Alaska Legislature, SB 132 (Ch. 17 SLA 25, 2025) / Alaska Legislature SB 11 (34th Legislature) / FEMA / NAIC Alaska Legislature, SB 132 (Ch. 17 SLA 25, 2025) / Alaska Legislature SB 11 (34th Legislature) / FEMA / NAIC https://stillinsurable.com/arizona-fair-plan/ state:AZ:premium_baseline@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: Arizona average HO-3 (the most common homeowners policy form) premium increased about 20% from 2018 to 2022 per DIFI; LendingTree's State of Home Insurance 2025 reports a 70% increase 2019-2025 (4th-largest in the US), and a 13% increase 2024-2025 alone. · Now: Arizona average HO-3 (the most common homeowners policy form) premium increased about 20% from 2018 to 2022 per the DIFI Resiliency and Mitigation Council 2025 Final Report; aggregated rate-filing data show a roughly 70% increase 2019-2025 (4th-largest in the US), and a 13% increase 2024-2025 alone. · Source: Arizona DIFI Resiliency and Mitigation Council 2025 Final Report (20% 2018-2022 figure); Quadrant Information Services rate-filing analysis (70% five-year and 13% one-year figures) Arizona DIFI Resiliency and Mitigation Council 2025 Final Report (20% 2018-2022 figure); Quadrant Information Services rate-filing analysis (70% five-year and 13% one-year figures) https://stillinsurable.com/oregon-fair-plan/ state:OR:statute@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: ORS 735.005-735.145 (Oregon FAIR Plan Association); ORS 735.045 (membership requirement for all admitted OR property insurers); ORS 742.566 (homeowners non-renewal notice, 30 days); ORS 746.687 (mid-term cancellation grounds); ORS 742.277 + ORS 742.278 (codified from SB 82, 2023 -- wildfire-risk notice requirements an… · Now: ORS 735.005-735.145 (Oregon FAIR Plan Association); ORS 735.045 (membership requirement for all admitted OR property insurers); ORS 742.566 (homeowners non-renewal notice, 30 days); ORS 746.687 (mid-term cancellation grounds); ORS 742.277 + ORS 742.278 (codified from SB 82, 2023 -- wildfire-risk notice requirements an… · Source: ORS Ch. 735 (Oregon FAIR Plan Association, oregonlegislature.gov) + ORS Ch. 742 (oregonlegislature.gov/bills_laws/ors/ors742.html) + ORS Ch. 746 (oregonlegislature.gov/bills_laws/ors/ors746.html) ORS Ch. 735 (Oregon FAIR Plan Association, oregonlegislature.gov) + ORS Ch. 742 (oregonlegislature.gov/bills_laws/ors/ors742.html) + ORS Ch. 746 (oregonlegislature.gov/bills_laws/ors/ors746.html) https://stillinsurable.com/hawaii-fair-plan/ state:HI:recent_changes@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: Hawaii condo insurance crisis (2023-2025): after the August 2023 Maui (Lahaina) wildfire and a hard global reinsurance market, roughly 375-390 condominium buildings became underinsured for hurricane; some AOAOs saw hurricane premiums spike by up to ~1,000%, and Fannie Mae/Freddie Mac's requirement of 100% hurricane co… · Now: Hawaii condo insurance crisis (2023-2025): after the August 2023 Maui (Lahaina) wildfire and a hard global reinsurance market, roughly 375-390 condominium buildings became underinsured for hurricane; some AOAOs saw hurricane premiums spike by up to roughly 1,000%, and Fannie Mae/Freddie Mac's requirement of 100% hurri… · Source: Hawaii DCCA Insurance Division / Hawaii legislature (SB 1044, Act 040) / Governor's Office (UPC exit) / DCCA Commissioner's Memoranda 2026-4PC and 2026-3A / Insurance Information Institute Hawaii DCCA Insurance Division / Hawaii legislature (SB 1044, Act 040) / Governor's Office (UPC exit) / DCCA Commissioner's Memoranda 2026-4PC and 2026-3A / Insurance Information Institute https://stillinsurable.com/idaho-fair-plan/ state:ID:premium_baseline@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: Idaho average annual homeowners premium grew from $1,308 in 2022 to $1,468 in 2023 (+12.2%) to $1,798 in 2024 (+22.4%), per IDOI's 2025 property insurance market data call (statewide average across all admitted carriers reporting). Total written premium rose 24.99% from 2023 to 2024. Cumulative growth from 2022 to 202… · Now: Idaho average annual homeowners premium grew from $1,308 in 2022 to $1,468 in 2023 (+12.2%) to $1,798 in 2024 (+22.4%), per the Idaho Department of Insurance 2025 Property Insurance Market Data Call results (October 2025; statewide average across all admitted carriers reporting). Total written premium rose 24.99% from… · Source: Idaho Department of Insurance, 2025 Property Insurance Market Data Call Results (October 2025) Idaho Department of Insurance, 2025 Property Insurance Market Data Call Results (October 2025) https://stillinsurable.com/new-hampshire-fair-plan/ state:NH:recent_legislation@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: NH 2024-2025 property-insurance package (most consequential first): SB 121 (2025), signed by Governor Kelly Ayotte (who replaced Sununu 2025-01-08) on 2025-07-18, requires any fire/casualty insurer ceasing to write an entire line in NH to give NHID and agents of record 120 days' advance notice; policyholder nonrenewal… · Now: NH 2024-2026 property-insurance package (most consequential first): SB 121 (2025), signed by Governor Kelly Ayotte on 2025-07-15 (Chapter 232; effective 2025-09-13), requires any fire/casualty insurer ceasing to write an entire line in NH to give NHID and agents of record 120 days' advance notice; policyholder nonrene… · Source: NH General Court (SB 121 enrolled text, Chapter 232) + NH General Court (HB 1259) NH General Court (SB 121 enrolled text, Chapter 232) + NH General Court (HB 1259) https://stillinsurable.com/arizona-fair-plan/ state:AZ:rate_approval_regime@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: Arizona is a file-and-use state. DIFI has no statutory authority to set or approve homeowners insurance rates; carriers file and may begin using rates without prior approval, subject to DIFI review for compliance. · Now: Arizona is a use-and-file state under A.R.S. 20-385. Carriers may begin using rates immediately upon their effective date and must file them with DIFI within 30 days of effectiveness. DIFI has no authority to require pre-approval of rates before use, except in a noncompetitive market (A.R.S. 20-385(G)), which does not… · Source: A.R.S. 20-385 (Filing of rates), Arizona Revised Statutes Title 20 A.R.S. 20-385 (Filing of rates), Arizona Revised Statutes Title 20 https://stillinsurable.com/iowa-fair-plan/ state:IA:recent_changes@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: Key 2024 change: Iowa FAIR Plan temporarily suspended the unresolved/unpaid claims ineligibility rule effective July 1, 2024, to prevent coverage gaps for storm-damaged Iowans who received cancellation/non-renewal notices before securing replacement coverage. Iowa has experienced elevated severe convective storm frequ… · Now: Key 2024 change: Iowa FAIR Plan temporarily suspended the unresolved/unpaid claims ineligibility rule effective July 1, 2024, to prevent coverage gaps for storm-damaged Iowans who received cancellation/non-renewal notices before securing replacement coverage. Iowa has experienced elevated severe convective storm frequ… · Source: Iowa Insurance Division bulletin (eligibility suspension) + SECURA Insurance press release (2025 exit); 2024-2025 rate figures reported by The Gazette Iowa (March 2026, secondary-aggregator data) Iowa Insurance Division bulletin (eligibility suspension) + SECURA Insurance press release (2025 exit); 2024-2025 rate figures reported by The Gazette Iowa (March 2026, secondary-aggregator data) https://stillinsurable.com/georgia-fair-plan/ state:GA:perils_covered@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: Personal-lines options include a Basic Homeowners (HO-8) form and a Dwelling Fire (DP-1) form, plus a wind/hail-only policy in eligible coastal areas, and commercial fire. Named-peril coverage: fire, lightning, windstorm/hail, vandalism and malicious mischief, etc. Optional add-ons: $100,000 personal liability / $1,00… · Now: Personal-lines options include a Basic Homeowners (HO-8) form and a Dwelling Fire (DP-1) form, plus a wind/hail-only policy in eligible coastal areas, and commercial fire. Named-peril coverage: fire, lightning, windstorm/hail, vandalism and malicious mischief, etc. Optional add-ons: $100,000 personal liability / $1,00… · Source: Georgia Underwriting Association (official plan operator) Georgia Underwriting Association (official plan operator) https://stillinsurable.com/california-fair-plan/ state:CA:recent_changes@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: Policies in force ~684,388 as of March 2026 (up ~6% since Sep 2025; up ~152% since Sep 2022); total exposure ~$750 billion as of March 2026 (up ~8% since Sep 2025; up ~242% since Sep 2022). In autumn 2025 the FAIR Plan filed for an average 35.8% rate increase, its largest in 7+ years and the first to incorporate wildf… · Now: Policies in force ~684,388 as of March 2026 (up ~6% since Sep 2025; up ~152% since Sep 2022); total exposure ~$750 billion as of March 2026 (up ~8% since Sep 2025; up ~242% since Sep 2022); written premium $2.02 billion as of March 2026 (up ~4% since Sep 2025; up ~208% since Sep 2022). In May 2026 CDI approved a 29.1%… · Source: California Department of Insurance - FAIR Plan Stipulation and Order No. 2026-2 California Department of Insurance - FAIR Plan Stipulation and Order No. 2026-2 https://stillinsurable.com/arizona-fair-plan/ state:AZ:average_premium@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: Roughly $2,300 to $2,700 per year for a typical Arizona homeowner in 2025, slightly below the US average (~$2,800). Range: ~$1,571 to $7,354 by coverage / location. Phoenix metro tends higher than Gilbert and Mesa; Prescott / Flagstaff / Payson WUI homes can exceed $5,000. · Now: Roughly $2,300 to $2,700 per year for a typical Arizona homeowner in 2025, slightly below the US average (~$2,800). Range: ~$1,571 to $7,354 by coverage / location. Phoenix metro tends higher than Gilbert and Mesa; Prescott / Flagstaff / Payson WUI homes can exceed $5,000. · Source: Insurance Information Institute (III) / NAIC Homeowners Insurance Report (data for 2022); current-year estimates derived from Quadrant Information Services rate-filing analysis Insurance Information Institute (III) / NAIC Homeowners Insurance Report (data for 2022); current-year estimates derived from Quadrant Information Services rate-filing analysis https://stillinsurable.com/ohio-fair-plan/ state:OH:non_renewal_rules@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: Ohio is unusual: ORC §3937.25 covers grounds for cancellation of commercial property/fire/casualty (with §3937.30 separately covering automobile insurance under the same chapter); §3937.26 sets 30-day non-renewal notice on the same commercial lines. Homeowners/residential property policies are NOT covered by these pro… · Now: Ohio is unusual: ORC §3937.25 covers grounds for cancellation of commercial property/fire/casualty (with §3937.30 separately covering automobile insurance under the same chapter); §3937.26 sets 30-day non-renewal notice on the same commercial lines. Homeowners/residential property policies are NOT covered by these pro… · Source: Ohio House of Representatives: HB 652 Committee Page (136th General Assembly) Ohio House of Representatives: HB 652 Committee Page (136th General Assembly) https://stillinsurable.com/georgia-fair-plan/ state:GA:recent_changes@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: Georgia homeowners premiums rose ~8.6-9% in 2025 (vs ~5.6% national) and ~24% cumulatively 2023-2025 / ~39.7% since 2021; ~10% further increase projected for 2026. Driver: Hurricane Helene (landfall Sept 2024) plus severe convective storms, many insurers filed rate increases late 2024 / early 2025 hitting renewals thr… · Now: Georgia homeowners premiums rose approximately 8.6-9% in 2025 (vs approximately 5.6% national) and approximately 24% cumulatively 2023-2025, approximately 39.7% since 2021; approximately 10% further increase projected for 2026. Driver: Hurricane Helene (landfall September 2024) plus severe convective storms; many insu… · Source: Insurance Journal / Georgia Governor's Office signed legislation 2026 Insurance Journal / Georgia Governor's Office signed legislation 2026 https://stillinsurable.com/california-fair-plan/ state:CA:carriers_pulled_back@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: State Farm General: stopped accepting new homeowners/property & casualty applications statewide effective May 27, 2023; non-renewed ~30,000 homeowners and ~42,000 commercial apartment policies in 2024; received 17% emergency interim rate increase on homeowners effective June 1, 2025 (alongside 38% on rental dwelling a… · Now: State Farm General: stopped accepting new homeowners/property & casualty applications statewide effective May 27, 2023; non-renewed ~30,000 homeowners and ~42,000 commercial apartment policies in 2024; received 17% emergency interim rate increase on homeowners effective June 1, 2025 (alongside 38% on rental dwelling a… · Source: Farmers Insurance Newsroom (press release Nov 21, 2025) Farmers Insurance Newsroom (press release Nov 21, 2025) https://stillinsurable.com/iowa-fair-plan/ state:IA:carriers_pulled_back@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: At least four carriers have fully exited Iowa homeowners insurance writing: Pekin Insurance withdrew from Iowa homeowners writing in January 2024 (per KCRG May 2024 reporting); IMT Insurance paused new personal lines policies in Iowa in July 2024 and stopped renewing existing single-home and rental policies October 1,… · Now: At least four carriers have fully exited Iowa homeowners insurance writing: Pekin Insurance withdrew from Iowa homeowners writing in January 2024 (per KCRG May 2024 reporting); IMT Insurance paused new personal lines policies in Iowa in July 2024 and stopped renewing existing single-home and rental policies October 1,… · Source: SECURA Insurance press release (SECURA exit, primary) + KCRG May 2024 (Pekin exit) + The Gazette Iowa (Celina/IMT exits) + Iowa Insurance Division rate-filing data (combined ratio / rate-filing count) SECURA Insurance press release (SECURA exit, primary) + KCRG May 2024 (Pekin exit) + The Gazette Iowa (Celina/IMT exits) + Iowa Insurance Division rate-filing data (combined ratio / rate-filing count) https://stillinsurable.com/illinois-fair-plan/ state:IL:recent_changes@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: Rate increases approved by IL DOI on the IFPA's own filings: Homeowners +11.6% statewide average effective 04/01/26; Dwelling Fire +13.8% effective 04/01/25; Homeowners +9.4% effective 04/01/24; Dwelling Fire +9.6% effective 04/01/23; Homeowners +8.3% effective 04/01/22. Policy count approximately 1,961 habitational p… · Now: Rate increases approved by IL DOI on IFPA filings: Homeowners +11.6% statewide average effective 04/01/26; Dwelling Fire +13.8% effective 04/01/25; Homeowners +9.4% effective 04/01/24; Dwelling Fire +9.6% effective 04/01/23; Homeowners +8.3% effective 04/01/22. Policy count approximately 1,961 habitational policies pe… · Source: Illinois FAIR Plan Association (rate data) + Illinois General Assembly HB 4273 enrolled text + Capitol News Illinois (legislative context) Illinois FAIR Plan Association (rate data) + Illinois General Assembly HB 4273 enrolled text + Capitol News Illinois (legislative context) https://stillinsurable.com/kentucky-fair-plan/ state:KY:recent_changes@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: Policies in force: 3,539 as of January 2025 (down 6.2% from end of 2023). Policy mix: Dwelling Fire 85%, Homeowner 11%, Commercial 3%, Farm 1%. Claims in 2024: 132. Loss ratio: 44.38%; combined ratio: 135.90%. Member equity: $15.5 million (end 2024). Catastrophe excess of loss reinsurance: $5M excess of $1.5M (as of D… · Now: Policies in force: 3,189 as of January 2026 (down approximately 9.9% from 3,539 in January 2025). Policy mix: Dwelling Fire 85%, Homeowner 11%, Commercial 3%, Farm 1%. Claims in 2025: 159 (up from 132 in 2024). Loss ratio: 52.25%; combined ratio: 140.92% (year-end 2025). Member equity: $15.5 million (end 2024; not upd… · Source: Kentucky FAIR Plan Reinsurance Association + apps.legislature.ky.gov (HB 256 / SB 153) Kentucky FAIR Plan Reinsurance Association + apps.legislature.ky.gov (HB 256 / SB 153) https://stillinsurable.com/mississippi-fair-plan/ state:MS:recent_changes@2026-06-18T00:00:00+00:00 Thu, 18 Jun 2026 00:00:00 GMT Was: Mississippi has TWO residual-market plans and they are different orders of magnitude. MRPIUA (FAIR Plan, statewide fire & EC for low-value/hard-to-place dwellings): ~2,237 habitational policies / ~$138M exposure per III FY2024 (III excludes MS commercial policies). MWUA (Beach/Windstorm Plan, wind-only for the 6 coast… · Now: Mississippi has TWO residual-market plans and they are different orders of magnitude. MRPIUA (FAIR Plan, statewide fire and EC for low-value/hard-to-place dwellings): ~2,237 habitational policies / ~$138M exposure per III FY2024 (III excludes MS commercial policies). MWUA (Beach/Windstorm Plan, wind-only for the 6 coa… · Source: Mississippi Insurance Department - Strengthen Mississippi Homes (SB 2409) + III FY2024 FAIR Plans and Beach/Windstorm Plans tables Mississippi Insurance Department - Strengthen Mississippi Homes (SB 2409) + III FY2024 FAIR Plans and Beach/Windstorm Plans tables