Who still writes home insurance in your state

The FAIR Plan, the state’s insurer of last resort, held 684,388 policies and about $750 billion in exposure by March 2026. A 29.1 percent average dwelling rate increase takes effect October 15, 2026, and the dwelling limit is $3 million as of 2026. California law requires at least 75 days’ notice before a residential non-renewal (Insurance Code section 678). After the January 2025 Palisades and Eaton fires, a one-year moratorium barred cancellations in affected ZIP codes through January 7, 2026, and the FAIR Plan absorbed an estimated $4 billion in losses, triggering a $1 billion assessment on the state’s insurers.

The full California page: carrier status, the FAIR Plan, and the 75-day notice window.

Citizens, the state-backed insurer, fell from a 2023 peak of about 1.42 million policies to 278,061 by July 24, 2026, as depopulation moved policies to private carriers. In December 2025 Citizens recommended rate decreases for most policyholders, its first since 2015, and by late November 2025 the state had logged 73 rate-decrease filings and 94 zero-increase filings. Florida law requires 120 days’ written notice before non-renewal of a residential policy (statute 627.4133).

The full Florida page: carrier status, Citizens depopulation, and the 120-day notice window.

Texas has two last-resort mechanisms. TWIA writes wind and hail only, in 14 coastal counties plus part of Harris County east of Highway 146: 286,251 policies and $127.1 billion in exposure as of the first quarter of 2026. The Texas FAIR Plan, the all-peril residual market, held 127,835 policies at the end of 2025, up 23 percent in a year, with Harris County the largest county at 64,257. Texas law requires notice by the 60th day before expiration (Insurance Code 551.105); miss it and the insurer must renew on request. Statewide average rate increases decelerated from 21.1 percent in 2023 to 4.3 percent in 2025, while Texas led the nation in 2025 hail losses with more than 235,000 damaged homes.

The full Texas page: carrier status, TWIA and the FAIR Plan, and the 60-day notice window.

That window is the real shopping clock a dropped homeowner gets. The Uninsurable America files track what happens inside it.

The Senate Budget Committee collected non-renewals by county from 23 insurers, about two thirds of the market, for 2018 through 2023. Each state below has its own page with every county in the file. One jurisdiction carries a thin file, District of Columbia, with fewer than 3 county rows under its state total. Its page is linked here and kept out of search indexes, because a table that short cannot carry a search result.