For journalists

Key figures, free to lift

The numbers most often pulled from this site, each with its primary source and the date we last verified it against that source. Quote them with credit; the source links go straight to the underlying record. Figures are read live from our dataset, so the dates below are current.

All figures verified through 2026-06-18.

1. 33 of 51

   33 of the 51 U.S. jurisdictions (the 50 states and the District of Columbia) operate a FAIR Plan or another residual-market property insurer of last resort; 18 do not.

   Source: Still Insurable, compiled from all 51 jurisdictions · verified 2026-05-16

2. 684,000

   The California FAIR Plan, the state's insurer of last resort, carried about 684,000 policies in force at its most recent reporting.

   Source: California FAIR Plan Association, Key Statistics page · verified 2026-05-15

3. 2.99% FL · 1.72% CA

   Insurers declined to renew 2.99 percent of home-insurance policies in Florida and 1.72 percent in California in 2023, the highest state non-renewal rates in the U.S. Senate Budget Committee's data call.

   The Senate Budget Committee figures come from a data call of 23 insurers, roughly 65 percent of the U.S. homeowners market, not a full-market census.

   Source: U.S. Senate Budget Committee, "Next to Fall: The Climate-Driven Insurance Crisis Is Here" (December 2024) · verified 2026-05-14

4. $200,000 – $3,000,000

   FAIR Plan dwelling-coverage limits vary widely by state. The California plan caps residential dwelling (Coverage A) at $3,000,000, while Kentucky's caps it at $200,000.

   Limits compared like-for-like: residential dwelling (Coverage A). Several states publish separate commercial and wind-pool limits.

   Source: California Department of Insurance · verified 2026-05-13 · Source: Kentucky FAIR Plan Reinsurance Association -- Producers · verified 2026-05-16

5. $5,298

   Oklahoma had the highest average annual home-insurance premium in the country in 2024, about $5,298.

   LendingTree is a rate aggregator using filed-rate methodology, not a state insurance-department census.

   Source: Quadrant Information Services rate-filing data; corroborated by the Oklahoma Insurance Department Home Insurance Rate Comparison (oid.ok.gov) · verified 2026-06-18

Want the full set with every state broken out? The complete dataset is linked below, and each state's page carries its own dated, sourced figures.

What this is

A working reference, built by a small editorial team, on the FAIR Plans, Beach Plans, and other residual-market mechanisms that backstop the U.S. home-insurance market. We track what each plan covers, who qualifies, what it costs, how to apply, and what's changed recently. The underlying sources are mostly the state Departments of Insurance, NAIC, FEMA, CFPB, and the industry plans body (PIPSO). We assemble the data into pages a homeowner can actually read, on the open web, dated.

At a glance

Coverage

All 51 U.S. jurisdictions (50 states + the District of Columbia).

Topics

State FAIR Plans, Beach Plans, Wind Pools, residual-market mechanisms; non-renewals; carrier exits.

Source basis

State Departments of Insurance, NAIC, PIPSO, FEMA, CFPB. The primary source is linked next to every figure.

Update cadence

Continuous. Every figure carries a verified [ISO date] chip; a scheduled sweep flags facts due for re-verification.

License

Free to cite, quote, and reproduce in news context with credit. Details below.

How to cite us

Preferred citation:

“[Figure], according to Still Insurable's [page title] (verified [ISO date]).”
Link to the specific page, not the homepage, so the date sticks to the claim.

If you'd rather cite the primary source directly (the state DOI bulletin, the NAIC report, the PIPSO publication), we link it next to every figure on the page. Either path is fine. No exclusivity terms. A courtesy citation is appreciated where the compilation, not the underlying source, saved the time.

What's free to use, no permission needed

• Text and figures from any page, quoted in news context with credit.
• Tables and charts, reproduced or screenshot, with credit and a link.
• The methodology page, linked or quoted, to back up a citation.
• The whole dataset, as JSON, deep-linked below for download.

For a clean PNG of a chart with the source line baked in, or a CSV pull of the underlying figures, email editorial@stillinsurable.com and we'll send one. We don't run an embargo system and we don't trade exclusives. Every page is already on the open web; deep-link the URL and the date stays with it.

Download the data

Two machine-readable snapshots of the underlying figures, refreshed on every build:

• states.json Full per-state record, 929+ sourced facts, every field carries source_url + verified_at + confidence.
• states-lite.json Slim version: one row per state with the headline figures (max dwelling, premium baseline, plan name, verified_at). For tables and quick lookups.

Both files include a methodology + license + data_verified_through header so a chart you build today carries its own provenance trail. The full source register lives on the methodology page.

How we keep this current

The freshness signal on every page is real. Each fact has a re-check date; an automated sweep flags what's due; an editor re-verifies against the original source. When a state plan or carrier announcement changes a figure, the page and the date both move. The full process lives in methodology; the source register is in the methodology sources section.

Questions from newsrooms

How many U.S. states have a FAIR Plan?

33 of the 51 U.S. jurisdictions run a FAIR Plan or other residual-market insurer of last resort. The remaining 18 have none, per Still Insurable's review of all 50 states and the District of Columbia (verified May 2026).

How big is the California FAIR Plan?

The California FAIR Plan carried about 684,000 policies in force at its most recent reporting, per the California FAIR Plan Association (verified May 2026). It is the state's insurer of last resort for homeowners who cannot get standard coverage.

Which states have the highest home-insurance non-renewal rates?

Florida and California, at 2.99 percent and 1.72 percent in 2023, led the U.S. Senate Budget Committee's data call (verified May 2026). That call sampled 23 insurers, about 65 percent of the homeowners market, not the whole market.

What we don't do

• No insurance advice. The site is a reference; for individual decisions, point readers to the relevant state Department of Insurance or a licensed agent.
• Not affiliated with any FAIR Plan, state agency, or insurer.
• No embargoes, no exclusives, no “first looks.” Public-web by design.
• No unverified AI output. Drafts run through a deterministic quality gate and a human editor; numeric claims ship with their source or not at all.

Press contact

• Story queries, data requests, chart pulls: editorial@stillinsurable.com
• Corrections to a dated, sourced claim (these jump the queue): corrections@stillinsurable.com

Both inboxes are monitored daily. Responses target one business day. If you are working on deadline, flag the subject line DEADLINE [date/time] for prioritization.

Who's responsible

Still Insurable is published by Perfect Life Network LLC, registered in Delaware, USA. The editorial team works under the published methodology. We are faceless by design (no founder brand, no influencer); the credibility is in the method, the sources, and the dates on the page. If you'd like the short version of how this exists, the about page has the origin paragraph up top.