Insurers dropped 448,486 homeowner policies in the newest data year, and that’s before you get to the premiums, so we mapped the home insurance crisis by state using the government’s own numbers. In Florida, about 1 in 33 policies was nonrenewed in a single year, and nonrenewal rates rose in 46 of the 50 states and DC.
Florida is the epicenter: insurers declined to renew 2.99 percent of policies there in the newest data year, about 1 in 33, nearly triple the national rate.
The crisis has spread inland: nonrenewal rates rose in 46 of 51 geographies year over year, and Plains states like Iowa and Nebraska now sit at the national average.
Louisiana and North Carolina, both about 1.8 percent, join California, Massachusetts, and Mississippi in the top tier for policy drops.
Cost tracks the drops: the average premium is projected to reach $3,057 this year per Insurify, with Florida near $8,458 and Vermont at $1,094.
Not everywhere is getting worse: nonrenewal rates fell in 15 states over five years, led by New Hampshire and Alaska.
The map, the full state-by-state table, and where it’s heading are below.
In what states is it hard to get homeowners insurance?
Florida, and it isn’t close: insurers declined to renew 2.99 percent of Florida policies in the newest data year, about 1 in 33, per the Senate Budget Committee’s insurer filings data. Louisiana and North Carolina come next, both about 1.8 percent, then California at 1.72. Massachusetts, Mississippi, Oklahoma, and Rhode Island round out the top tier.
Nationally, the numbers moved fast. Insurers nonrenewed 448,486 policies in 2023, up from 316,054 in 2018, pushing the national rate from 0.80 percent to 1.06. The quietest markets sit far from the coasts and the fire zones: Minnesota at 0.32 percent, Pennsylvania at 0.37, Alaska at 0.42.
The national picture, from the Senate Budget Committee’s insurer filings.
0.80% → 1.06%national nonrenewal rate, 2018 vs 2023share of policies in force
448,486policies insurers declined to renew in 2023up from 316,054 in 2018
46 of 51states (plus DC) where the rate rose year over year2023 vs 2022
Where are homeowners losing their insurance?
The map below shades every state by its nonrenewal rate. The coasts and the Gulf jump out, but look at the middle: Iowa at 1 in 94 policies and Nebraska at 1 in 95 now match the national average, and Missouri isn’t far behind at 1 in 107. Hail and wind are doing to the Plains what hurricanes did to the Gulf.
This is insurer-initiated drops only, the homeowner did nothing wrong. The riskiest places feel it hardest: Treasury’s Federal Insurance Office found nonrenewal rates in the highest-climate-risk ZIP codes ran about 80 percent higher than in the lowest-risk ones, averaging 1.61 percent across its five-year window.
Map: the home insurance crisis by state. This home insurance nonrenewal map shades every state by the share of policies insurers declined to renew, darkest = highest (Florida, 2.99%). Senate Budget Committee data, newest year available.Nonrenewal rate by state, from Minnesota’s 0.32% of policies up to Florida’s 2.99%. Insurer-initiated drops only.
Source: US Senate Budget Committee insurer-filings data (covering about 65% of the homeowners market), 50 states plus DC.
The table below pairs the two halves of the crisis for every state: how often insurers dropped policies, how that changed over five years, and what coverage costs now. The drop columns come from Senate Budget Committee data; the premium columns are Insurify’s 2026 projections. Sort it however you want.
Home insurance crisis by state: all 50 states plus DC, ranked by the share of policies insurers declined to renew in the newest data year (Senate Budget Committee insurer filings; change is 2018 to 2023 in percentage points). The two premium columns are Insurify’s 2026 price projections, a separate modeled dataset shown alongside for convenience. Click a header to sort.
Florida again, up 2.20 percentage points since 2018, with Louisiana next at +1.31. The surprises are further down the list: Hawaii climbed 0.90 points, and South Carolina 0.71, quiet markets five years ago now shedding policies.
But the story isn’t uniformly grim. Fifteen states saw nonrenewal rates fall over the same stretch, led by New Hampshire, Alaska, Arizona, Georgia, and, from an already-high starting point, North Carolina. Arizona’s decline is worth pausing on, since it gets lumped into the crisis narrative constantly, yet its rate came in at 0.80 percent, below the national average.
Five-year change in nonrenewal rates: the six biggest increases and the five biggest declines (15 states fell in all), in percentage points.
Florida+2.20 pp
Louisiana+1.31 pp
Hawaii+0.90 pp
California+0.77 pp
Oklahoma+0.74 pp
South Carolina+0.71 pp
New Hampshire-0.62 pp
Alaska-0.53 pp
Arizona-0.36 pp
Georgia-0.30 pp
North Carolina-0.28 pp
Orange = rate rose since 2018 · green = rate fell.
Source: Senate Budget Committee data, 2018 vs 2023.
What does home insurance cost now?
The average American homeowner will pay about $3,057 this year, per insurance-comparison site Insurify’s 2026 projections, up 4 percent from $2,948. Florida tops the projection at $8,458. Vermont sits at the bottom at $1,094, roughly an eighth of Florida’s bill.
The sharpest projected increases aren’t coastal. Insurify projects California rates rising 16 percent as insurers claw back wildfire losses, and Nebraska 13 percent, about $532 more per year, as hail claims mount. Plains premiums now rival coastal ones on far cheaper houses, which is why the burden feels heavier there than the raw dollars suggest.
What coverage costs, per insurance-comparison site Insurify’s 2026 projections.
$3,057projected US average premium this yearup 4% from $2,948
$8,458Florida, the nation’s highest projectionInsurify 2026 projections
$1,094Vermont, the nation’s lowestInsurify 2026 projections
Methodology: where these numbers come from
Nonrenewal figures come from the Senate Budget Committee’s insurance investigation, which compiled insurer filings covering about 65 percent of the US homeowners market: policies nonrenewed by the insurer, by state and county, for 2018 through 2023. That 2023 vintage is the newest state-level availability data any public source has published. The data covers the 50 states plus DC.
The risk gradient comes from Treasury’s Federal Insurance Office, whose separate dataset covers about 80 percent of premiums written, for 2018 through 2022. Premium figures are Insurify’s projections, built from their rate data and revised methodology this year; they are modeled estimates, not government data, which is why we label them everywhere they appear. Different outlets quote very different “average premiums” because some use quoted profiles and some model risk-adjusted costs; the three universes don’t mix, so we use one and name it.
Nonrenewals: Senate Budget Committee insurer filings, 2018–2023, 50 states + DC (~65% of market)
Risk gradient: Treasury FIO, ZIP-level, 2018–2022 (~80% of premiums written)
Premiums: Insurify 2026 projections (modeled; labeled at every use)
Nonrenewal = insurer-initiated, as a share of policies in force
For the homes behind the policies, our US housing statistics page covers the stock those insurers are walking away from.
Bottom line
The home insurance crisis is real, measurable, and no longer coastal. Insurers dropped policies at rising rates in 46 of 51 geographies, and the Plains now look like the Gulf did a decade ago. But it is also uneven: 15 states got calmer over five years, and the worst of it concentrates where climate risk is highest.
If you own a home, the practical takeaway is the table above. Know your state’s drop rate before renewal season, because the difference between Minnesota and Florida is the difference between 1 in 308 and 1 in 33.
Frequently asked questions
What states are insurance companies cancelling homeowners insurance in?
Insurers are dropping the most policies in Florida, where 2.99 percent were nonrenewed in the newest data year, followed by Louisiana and North Carolina at about 1.8 percent, then California, Massachusetts, Mississippi, Oklahoma, and Rhode Island. Rates rose in 46 of 51 geographies year over year, so the trend is national, not just coastal.
What states are losing insurance companies?
Florida, California, and Louisiana have lost the most insurers, through a mix of insolvencies, market exits, and paused new business after years of hurricane and wildfire losses. Homeowners there increasingly rely on state-backed last-resort plans like Citizens in Florida and the FAIR Plan in California, which often cost more and cover less.
Which state has the lowest homeowners insurance rates?
Vermont has the lowest projected home insurance costs, at $1,094 for the year, per Insurify’s 2026 projections. Utah ($1,370), Maine ($1,359), and New Hampshire ($1,435) are close behind. Low catastrophe exposure does the work: no hurricanes, few wildfires, and modest hail risk keep both premiums and nonrenewals down.
What should you do if your home insurance is dropped?
Start shopping immediately, because a coverage gap can trigger your lender to buy expensive forced-place insurance on your behalf. Get quotes from multiple carriers and an independent agent, and if no private insurer will write the policy, contact your state insurance department about the FAIR plan or other last-resort options. Document everything in writing.
Is home insurance getting more expensive in 2026?
Yes. The average US premium is projected to rise about 4 percent this year to $3,057, per Insurify’s 2026 projections, the fifth straight year of increases. The steepest projected jumps are California at 16 percent and Nebraska at 13 percent. A quiet hurricane season helped keep the national increase in single digits.
Chris Kolmar has been in the real estate business for almost ten years now. He originally worked for Movoto Real Estate as the director of marketing before founding HomeSnacks.
He believes the key to finding the right place to live comes down to looking at the data, reading about things to do, and, most importantly, checking it out yourself before you move.
If you've been looking for a place to live in the past several years, you've probably stumbled upon his writing already.
