Non-renewals are up 96–216% nationally since 2018. Here's how CA, FL, LA, MA, NC & TX actually compare.
In August 2026 the National Association of Insurance Commissioners (NAIC) published the first national data call on homeowners non-renewals — but it only reports results by broad region, not by state. Coverage Clock cross-referenced that national picture against each of its six states' own officially reported insurer-of-last-resort numbers to see where the pressure is actually landing in 2026.
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What the NAIC's own data call found.
Built from Market Conduct Annual Statement data reported by 715 carriers, covering 2018 through 2024 — the NAIC's own description of it as "first-of-its-kind" is accurate; nothing this comprehensive existed before.
| NAIC region | Inflation-adjusted premium increase, 2018–2024 |
|---|---|
| West | 43.3% total — about 5.3%/year. The steepest of the four regions, and home to California. |
| Southeast | 26.5% total — about 3.6%/year. Covers Florida and Louisiana. |
| Midwest | 24.7% total — about 3.3%/year. |
| Northeast | 18.3% total — about 2.4%/year. Covers Massachusetts. |
What the national data can't show: which states are actually diverging.
The NAIC doesn't publish non-renewal rates by state, and its underlying dataset isn't available for download. So this table uses each state's own officially reported insurer-of-last-resort numbers — the FAIR Plan, Citizens, MPIUA, or TWIA/TFPA policy counts each state's regulator or program already publishes — as the closest real public signal of how many homeowners are actually being pushed out of the private market.
| State | Program | 2026 growth signal |
|---|---|---|
| California | FAIR Plan | Dwelling rates jump 29.1% on Oct. 15, 2026 — a pricing signal (insurers repricing risk they're taking on), not a policy-count figure we're citing here. |
| Texas | FAIR Plan Assoc. (TFPA) | 124,445 policies in force, Q1 2026 — up from 72,626 in Dec. 2023. A 71% increase in about two years, the fastest growth of any program compared here. |
| Massachusetts | MPIUA | 173,000+ properties insured in 2024 — MPIUA's largest single-year jump in roughly 20 years. Nearly 40% of Cape Cod & Islands homes are now on the plan. |
| Texas | TWIA (wind/hail only) | Insured value hit $127.1B by Q1 2026, up from $113.7B in 2024 — an 11.3% jump in exposure in two years. |
| Louisiana | LA Citizens | Harder to quantify as a single growth trend: 12 private insurers were declared insolvent in 2021–2023, and current carriers are moving in opposite directions on rate. LA Citizens doesn't publish the same kind of clean year-over-year policy-count series the other four programs do. |
| North Carolina | NCJUA (FAIR Plan) & NCIUA (Beach Plan) | Policy counts only: 318,455 NCJUA and 276,275 NCIUA policies at June 30, 2026, per the associations' statutory statements. We're not citing a growth rate — the earlier counts we found aren't from the same kind of document. |
| Florida | Citizens | The exception: policy count fell from a peak of 1.41M (Oct. 2023) to 294,894 (Apr. 2026) — nearly an 80% drop, as reforms drew private carriers back into the market. |
About this data.
Is there national data on home insurance non-renewal rates?
Yes. In August 2026 the NAIC released a first-of-its-kind analysis built from Market Conduct Annual Statement data covering 715 carriers from 2018 to 2024. It found company-initiated non-renewal rates climbed between 96% and 216% across all four NAIC regions, with the largest increases in the Northeast (147%) and Southeast (216%). Looking at just the last three years (2022-2024), non-renewals per 1,000 in-force policies nearly tripled in the West, the region that includes California.
Does the NAIC report break non-renewal rates down by state?
No — the NAIC's analysis reports results at the regional level (Northeast, Midwest, Southeast, and West), not by individual state, and its underlying dataset isn't published for public download. This page fills that gap for the six states Coverage Clock covers by using each state's own officially reported insurer-of-last-resort numbers as the closest available public proxy for state-level non-renewal pressure.
Which state's insurer of last resort has grown the fastest?
Of the states compared here with a growth series we could verify, the Texas FAIR Plan Association shows the fastest growth: 124,445 policies in force as of Q1 2026, up from 72,626 in December 2023 — a 71% increase in about two years. Massachusetts's MPIUA also grew sharply, insuring 173,000+ properties in 2024, its largest jump in roughly 20 years.
Is every state's insurer of last resort growing?
No. Florida is the clear exception: Citizens Property Insurance Corporation's policy count fell from a peak of 1.41 million in October 2023 to 294,894 by April 2026, as reforms drew private carriers back into the market. That's a reminder that the national non-renewal trend doesn't move in lockstep across states — some residual markets are shrinking while others are still climbing.