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. We're not precious about exclusivity, and we'd appreciate a courtesy mention if our compilation saved you the dig.

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.

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.

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.

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 AI slop. Content is drafted with AI assistance, then run through a deterministic quality gate and a human editor. Every numeric claim has to carry its source or it doesn't ship.

Press contact

We read both inboxes daily and try to reply within one business day. If you're working on deadline, put DEADLINE [date/time] in the subject and we'll prioritize.

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.

Still Insurable is an independent reference site, not an insurer, broker, or agent. We are not affiliated with any FAIR Plan or state agency. Information here is for general guidance and is dated on each page; confirm specifics with the relevant authority before publication. Page last reviewed 2026-05-14.