Insurable Homes

Official data, checked 29 October 2026

Who is insuring homes, from official state data

We publish official counts of policies and insured risks held by state insurers of last resort and by individual home insurers, plus insurer nonrenewals by county. California, North Carolina and Texas figures are by county. Florida figures are statewide, by company, month by month. Nonrenewals cover every state.

California686,376 FAIR Plan policies in force at 30 September 2026, up from 273,346 in 2022. See all 58 counties.FloridaCitizens held 275,672 residential policies in July 2026, down from 777,763 a year earlier. See 69 insurers month by month.North CarolinaNC FAIR Plan insured 294,027 residential risks at 30 June 2026, up 4.9% in a year. See all 100 counties.TexasTWIA had 288,676 policies in force at 30 June 2026, up 3.0% in a year. Coastal counties and the FAIR Plan.NonrenewalsInsurers in Senate data nonrenewed 448,569 homeowners policies in 2023 (1.06%). Every state and county.

California counties with the most FAIR Plan policies

CountySept 20261 year
Los Angeles162,0125%
San Bernardino71,35210%
Riverside68,34020%
San Diego64,5559%
El Dorado28,1340%
Orange27,77417%
Nevada23,9112%
Placer19,0530%
Ventura16,92613%
Tuolumne14,0610%

Sources

  1. California FAIR Plan Association, Policy Growth by Fiscal Year (Residential, Commercial and BOP Lines), data by county, all figures as of 30 September 2026
  2. Florida Office of Insurance Regulation, Residential market share reports: Monthly Market Intelligence Report, statewide summary by company and policy type
  3. North Carolina Joint Underwriting Association (NC FAIR Plan), Quarterly financial statements, Aggregate Liability by Counties
  4. Texas Windstorm Insurance Association, Statistical Report and Quarterly Liability Report by county
  5. US Senate Budget Committee, Homeowners insurance nonrenewal data by county, 2018 to 2023 (December 2024 release)

Checked 29 October 2026. Figures are reproduced as published and are not adjusted.