Florida
Road trip across the U.S. to view insurance trends, influences (like severe weather plus nuclear verdicts), and legislative actions by selecting a state and reading more on our regional insight blogs.
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Maine
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The Southwest faces a dynamic insurance landscape in 2025
Last year alone, Texans drove through 20 separate billion-dollar disastrous weather events with roadblocks from cyberattacks and nuclear verdicts.
Their insurance rate inclines amount to 54.5% over the past five years. Texan legislators gave a fast pass to "greenlight" the Texas FAIR Plan, which is a state-created insurer as a last resort.
Across the Southwest homeowners are on a bumpy road as they face rising insurance premiums and stricter coverage all while steering through severe weather events which threaten their homes.
Texas
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ID
What's next for Florida insurance?
Floridians navigate roadblocks like severe storms, hurricanes, wildfires, skyrocketing insurance rates, flood coverage struggles, and rising construction costs after catastrophic weather events.
Florida legislators drove forward legislation to stabilize the property insurance market and reduce litigation.
Open the floodgates: Understanding insurance trends in the Northeast
Maine residents navigated roadblocks like severe storms, winter storms, flooding, and insurance rates increases an average of 15%-19% in 2024.
Across Maine and the Northeast homeowners are navigating a challenging road trip marked by rising insurance costs while facing threats of extreme weather. As a result, legislative efforts are ongoing to stabilize insurance rates and enhance home resilience.
DE
AK
AL
AR
AZ
CA
CO
CT
FL
GA
HI
IA
MT
MS
MO
MN
MI
ME
MD
MA
LA
KY
KS
IN
IL
PA
OR
OK
OH
NY
NV
NM
NJ
NH
NE
ND
NC
WV
WI
WA
VT
VA
TX
TN
SD
SC
RI
Learn more
Riding the waves of the West Coast insurance market
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Across the West Coast and Pacific residents are driving with their headlights on to see the rising insurance costs, increased risks from catastrophic weather events like wildfires and earthquakes, as well as the work being done by state legislators to reduce insurance expenses and address the shrinking pool of insurance providers.
Alaska
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WV
WI
WA
VT
VA
TX
TN
SD
SC
RI
PA
OR
OK
OH
NY
NV
NM
NJ
NH
NE
ND
NC
MT
MS
MO
MN
MI
ME
MD
MA
LA
KY
KS
IN
IL
ID
IA
HI
GA
FL
DE
CT
CO
CA
AZ
AR
AL
AK
Southeastern states confront severe weather and increased rates in 2025
Alabama residents navigate roadblocks like a hard insurance market with a variety of severe weather. In response, Alabama “greenlit” the Strengthen Alabama Homes program, which offers small grants to reinforce roofs, improve wind resistance, and help residents protect their homes.
Southeast homeowners are driving up steep roads with rising insurance costs, increased risks, and a shrinking pool of insurance providers. But state legislators are driving in to implement initiatives to enhance property resilience and address insurance challenges.
Alabama
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The Southwest faces a dynamic insurance landscape in 2025
Arkansas residents navigate roadblocks like severe storms, rising insurance rates, and insurability challenges. Lawmakers are teed up to “greenlight” ways to keep rates from rising for Arkansas homeowners in their 2025 legislative sessions.
Across the Southwest homeowners are on a bumpy road as they face rising insurance premiums and stricter coverage all while steering through severe weather events, like wildfires, tornadoes, and hurricanes, which threaten their homes.
Arkansas
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Protecting the peaks: Recognizing current insurance risks
Arizona residents navigate roadblocks like droughts and wildfires along with rising insurance rates. Arizona’s Department of Insurance and Financial Institutions is speeding ahead with a new council to address the availability and affordability of homeowners’ insurance.
Across the region residents face a steep road ahead full of insurance rate increases, barricades in finding coverage, and heightened risks from natural disasters. As they drive through this rugged terrain, state legislators are trying to implement measures to help homeowners.
Arizona
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Riding the waves of the West Coast insurance market
Californians navigate many roadblocks like a 48.4% increase in home insurance rates from 2019 to 2024, rising auto rates, and many cybercrimes. In response, legislators “greenlit” ideas to combat insurance challenges, like a proposal to require 100% insurance payouts without an itemized list.
West Coast and Pacific residents are driving with their headlights on to see the rising insurance costs, increased risks from catastrophic weather events like wildfires and earthquakes, as well as the work being done by state legislators to reduce insurance expenses and address the shrinking pool of insurance providers.
California
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Protecting the peaks: Recognizing current insurance risks
Colorado residents navigate roadblocks like winter storms, wildfires, and droughts, paired with steep insurance rate hikes. Colorado legislators are speeding towards several measures and established the Colorado FAIR Plan in 2023.
Across the region residents face a steep road ahead full of insurance rate increases, barricades in finding coverage, and heightened risks from natural disasters. As they drive through this rugged terrain, state legislators are trying to implement measures to help homeowners.
Colorado
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Open the floodgates: Understanding insurance trends in the Northeast
Connecticut residents are deluged with flooding, severe storms, winter storms, and rising insurance costs.
Homeowners in the Northeast are navigating a challenging road trip marked by rising insurance costs, averaging a 20% increase over the past five years, while facing threats of extreme weather, all amidst ongoing legislative efforts to stabilize insurance rates and enhance home resiliency.
Connecticut
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When it rains, it pours: Helping Mid-Atlantic homeowners
Delaware residents experience a variety of severe weather along with the rising cost of homeowners insurance.
Across the Mid-Atlantic homeowners are on a rocky road filled with rising insurance costs, limited coverage options, and the looming threat of natural disasters, all while facing the added risk of cyberattacks in the aftermath of severe weather. To remove roadblocks for residents, state legislators are working to implement initiatives aimed at improving insurance and coverage.
Delaware
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Southeastern states confront severe weather and increased rates in 2025
Georgia residents navigate roadblocks like severe weather and insurability challenges. To address this, Georgia’s governor is speeding towards tort reform measures and legislators are considering a cap to jury award limits due to the rising verdict costs.
Southeast homeowners are driving up steep roads with rising insurance costs, increased risks, and a shrinking pool of insurance providers. But Georgia legislators are driving in to implement initiatives to enhance property resilience and address insurance challenges.
Georgia
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Riding the waves of the West Coast insurance market
Hawaiians navigate roadblocks like volcanic eruptions, wildfires, and homeowner insurance rate hikes. After the devastating 2023 wildfire on Maui, The Hawaiian Supreme Court put up a stop sign for insurance companies ruling that they cannot bring legal action against those blamed for starting the wildfire.
Residents are driving with their headlights on to see the rising insurance costs, increased risks from catastrophic weather events, as well as the work being done by state legislators to reduce insurance expenses and address the shrinking pool of insurance providers.
Hawaii
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Journey from Oz: The real impact of tornadoes on insurance
Iowans navigate roadblocks like severe storms including tornadoes, hail and high winds, drought, flooding, rising insurance rates, inflation and fraudulent claims.
Across the Midwest residents have their hands firmly gripped to the steering wheel as they face a surge in severe events, including tornadoes and an average 31% increase in insurance rates over the past five years. State officials and the insurance industry are working to implement initiatives aimed at improving disaster preparedness and attracting new providers.
Iowa
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Protecting the peaks: Recognizing current insurance risks
Idaho residents navigate roadblocks like drought, wildfires and increased premiums. To address wildfires, the Idaho Dept. of Insurance (DOI) are slowing down to consider a Wildfire Risk Reinsurance and Mitigation Pool that would provide voluntary reinsurance for insurers operating in high risk areas and giving the “greenlight” to a fund that would provide grants to homeowners to help them harden their homes against wildfires.
Residents across the region face a steep road ahead full of insurance rate increases, barricades in finding coverage, and heightened risks from natural disasters.
Idaho
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Navigating the storm: Eastern Midwest insurance trends
Illinois residents navigate roadblocks like severe storms and dramatic rate increases for both home and auto insurance. Illinois legislators are revving their engines and taking on these challenges with bills to require insurers to submit rate increases to their Department of Insurance and to cap rate increases at 15% per year.
Midwesterners have their hands firmly gripped to the steering wheel as they face a surge in severe weather and an average 31% increase in insurance rates over the past five years.
Illinois
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Navigating the storm: Eastern Midwest insurance trends
Indiana has seen slippery roads with an average annual rainfall increase of 15% along with rising home and auto rates.
Residents of Indiana have their hands firmly gripped to the steering wheel as they face a surge in severe events and an average 31% increase in insurance rates over the past five years.
State officials and the insurance industry are working to implement initiatives aimed at improving disaster preparedness and attracting new providers.
Indiana
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Journey from Oz: The real impact of tornadoes on insurance
Kansas residents are use to active spring weather, but 2024 was the most active period in 74 years. This contributed to higher insurance rates, inflation, and fraudulent claims.
Across the Midwest residents have their hands firmly gripped to the steering wheel as they face a surge in severe weather events and an average 31% increase in insurance rates over the past five years.
State officials and the insurance industry are working to implement initiatives aimed at improving disaster preparedness and attracting new providers.
Kansas
X
Southeastern states confront severe weather and increased rates in 2025
Kentucky residents navigated roadblocks like severe storms and a hard insurance market. Kentucky state legislators “greenlit” a bill to support better construction of homes and the use of fortified roofs built to withstand wind and hail damage.
Homeowners in the Southeast are driving up steep roads with rising insurance costs, increased risks from severe weather events, and a shrinking pool of insurance providers. But state legislators are speeding in to implement initiatives to enhance property resilience and address insurance challenges.
Kentucky
X
The Southwest faces a dynamic insurance landscape in 2025
Louisiana residents navigate roadblocks like rising insurance rates, staggering data breaches, and cyber-attacks. The Louisiana state legislature “greenlit” a $45 million incentive program to encourage insurance companies to write new home policies and attract new insurance providers to the Louisiana market.
Across the Southwest homeowners are on a bumpy road as they face rising insurance premiums and stricter coverage all while steering through severe weather events, like wildfires, tornadoes, and hurricanes, which threaten their homes.
Louisiana
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Journey from Oz: The real impact of tornadoes on insurance
Michiganders navigated roadblocks like severe storms, winter storms, flooding, drought, rising home and auto rates, inflation and fraudulent claims.
Midwest residents have their hands firmly gripped to the steering wheel as they face a surge in severe events, including tornadoes and an average 31% increase in insurance rates over the past five years.
State officials and the insurance industry are working to implement initiatives aimed at improving disaster preparedness and attracting new providers.
Michigan
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Open the floodgates: Understanding insurance trends in the Northeast
Residents of Massachusetts navigate many roadblocks but the rising wildfire risks top the list. They experienced 15 wildfires in October 2023, but 212 in October 2024. This has been a contributing factor to the rising insurance rates.
Homeowners in the Northeast are navigating a challenging road trip marked by rising insurance costs, averaging a 20% increase over the past five years, while facing threats of extreme weather events all amidst ongoing legislative efforts to stabilize rates and enhance home resilience.
Massachusetts
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When it rains, it pours: Helping Mid-Atlantic homeowners
Maryland residents navigate many severe weather roadblocks and cyberattacks. Legislators are speeding ahead with plans to address Maryland's rising insurance costs linked to weather disasters.
Mid-Atlantic homeowners are on a rocky road filled with limited insurance coverage while facing the added risk of cyberattacks in the aftermath of extreme weather. To remove roadblocks, state legislators are trying to implement initiatives to improve insurance options.
Maryland
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Journey from Oz: The real impact of tornadoes on insurance
The land of 10,000 lakes navigates many roadblocks from severe weather to major increases in their insurance premiums. Minnesota saw the largest auto insurance rate hike in the Midwest with 19.8%.
Legislators are speeding ahead towards developing a new pre-disaster mitigation program to help homeowners upgrade their roofs and make their homes more resistant to extreme weather.
Midwest residents have their hands firmly gripped to the steering wheel as they have faced an average 31% increase in insurance rates over the past five years.
Minnesota
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Journey from Oz: The real impact of tornadoes on insurance
Missourians navigate roadblocks like severe storms, derechos, flooding, winter storms, and rising insurance rates.
Midwest residents have their hands firmly gripped to the steering wheel as they face a surge in severe events, including tornadoes and an average 31% increase in insurance rates over the past five years.
State officials and the insurance industry are working to implement initiatives aimed at improving disaster preparedness and attracting new providers.
Missouri
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Southeastern states confront severe weather and increased rates in 2025
Mississippians have navigated many severe weather roadblocks paired with insurability challenges. Legislators are speeding ahead with plans to help strengthen homes and communities in the face of extreme weather.
Steep roads await homeowners in the Southeast as rising insurance costs paired with increased risks have resulted in a shrinking pool of insurance providers. But state legislators are speeding in to implement initiatives to enhance home resilience and address insurance challenges.
Mississippi
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Protecting the peaks: Recognizing current insurance risks
Montana residents navigate multiple roadblocks like severe storms and rising insurance rates. To combat rising insurance premiums, Montana is considering “greenlighting” a FAIR Plan to help homeowners obtain insurance coverage. Across the region residents face a steep road ahead full of insurance rate increases, roadblocks in finding coverage, and heightened risks from natural disasters. As they drive through this rugged terrain, state legislators are speeding in to implement measures aimed at improving insurance availability and affordability.
Montana
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When it rains, it pours: Helping Mid-Atlantic homeowners
North Carolinians navigate roadblocks like a variety of severe weather and insurability challenges. Their insurance law allows high risk homeowners to be insured under a “consent-to-rate” exception where they may agree to pay policy premiums at rates that are up to 250% of the state bureau’s rate.
While some insurers have sped out of disaster-prone parts, the exception allowing these homes to be insured at an appropriate premium for the higher risk has helped prevent a traffic jam of home insurers exiting the state.
North Carolina
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Journey from Oz: The real impact of tornadoes on insurance
North Dakota residents navigate roadblocks like severe storms, drought, flooding, rising rates, inflation, and fraudulent claims. Legislators are speeding ahead to look at ways to ensure that climate related risks are addressed in their insurance market.
Midwesterners have their hands firmly gripped to the steering wheel as they face a surge in severe weather and an average 31% increase in insurance rates over the past five years. State officials and the insurance industry are working to implement initiatives aimed at improving disaster preparedness and attracting new providers.
North Dakota
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Journey from Oz: The real impact of tornadoes on insurance
Nebraskans navigate many severe weather roadblocks and rising home insurance rates. In fact, they experienced the largest home insurance increase in the Midwest of 59.9% over the past five years.
Nebraska residents have their hands firmly gripped to the steering wheel as they face a surge in severe weather events, this past spring was the most active in the last 74 years. State officials and the insurance industry are working to implement initiatives aimed at improving disaster preparedness and attracting new providers.
Nebraska
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Open the floodgates: Understanding insurance trends in the Northeast
While premiums have been fairly stable for New Hampshire residents in comparison to other Northeastern states, climate disasters elsewhere could raise insurance costs in the Granite state.
Northeast homeowners are navigating a challenging road trip marked by rising insurance costs, averaging a 20% increase over the past five years. They're also facing threats of extreme weather events like hurricanes, all amidst ongoing legislative efforts to stabilize insurance rates and enhance home resilience.
New Hampshire
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Open the floodgates: Understanding insurance trends in the Northeast
New Jersey natives navigate roadblocks like severe weather, cyberattacks, and many nonrenewal notices. Legislators are considering “greenlighting” measures to protect homeowners from sudden nonrenewals and to ensure that insurance companies provide clear reasons for nonrenewal decisions.
Homeowners in the Northeast are navigating a challenging road trip marked by rising insurance costs, averaging a 20% increase over the past five years.
New Jersey
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The Southwest faces a dynamic insurance landscape in 2025
New Mexicans navigate roadblocks like wildfires, exorbitant awards to plaintiffs in personal injury cases, rising rate increases, and cyberattacks on the bumper of natural disasters. New Mexico legislators have “greenlit” discussions on making home insurance more affordable.
Across the Southwest homeowners are on a bumpy road as they face rising insurance premiums and stricter coverage all while steering through severe weather events, like wildfires, tornadoes, and hurricanes, which threaten their homes.
New Mexico
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Protecting the peaks: Recognizing current insurance risks
Nevada residents navigate roadblocks like drought, wildfire, winter storms, and rising insurance premiums. Nevada’s insurance commissioner is speeding towards solutions to address homeowner uninsurance rates.
Residents across Nevada face a steep road ahead full of insurance rate increases, roadblocks in finding coverage, and heightened risks from natural disasters. As they drive through this rugged terrain, state legislators are speeding in to implement measures aimed at improving insurance availability and affordability.
Nevada
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Open the floodgates: Understanding insurance trends in the Northeast
New Yorkers navigate roadblocks like severe weather, rising rates, and cybercrimes. New York legislators are speeding towards solutions with a bill to halt increases in homeowner insurance rates that exceed 25% per year, unless such increases are explicitly agreed upon in the policy.
Homeowners in New York are navigating a challenging road trip marked by rising insurance costs, averaging a 20% increase over the past five years, while facing threats of extreme weather, all amidst ongoing legislative efforts to stabilize rates and enhance home resilience.
New York
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Navigating the storm: Eastern Midwest insurance trends
Throughout Ohio, insurers have been losing profits in the past few years, which has unfortunately been passed on to consumers with higher than normal rate increases.
The Midwest road-trip is filled with twists and turns like rising insurance rates and the increasing frequency of severe weather events, like tornadoes and flooding.
But state legislators are in the fast lane to cap rate increases and hopefully enhance consumer protections.
Ohio
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The Southwest faces a dynamic insurance landscape in 2025
Oklahomans navigate roadblocks like extreme tornadoes, ravishing wildfires, and cyberattacks. Oklahoma’s legislators “greenlit” the “Strengthen Oklahoma Homes Act” to improve disaster resilience and lower insurance rates for homeowners.
Across the Southwest homeowners are on a bumpy road as they face rising insurance premiums and stricter coverage all while steering through severe weather events which threaten their homes.
Oklahoma
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Riding the waves of the West Coast insurance market
Oregon residents navigate roadblocks like devastating wildfires, homeowners insurance rate increases, and reduced coverage options. In response, Oregon “greenlit” a law that requires insurers to pay 70% of the coverage limit without an inventory after catastrophic wildfires.
West Coast residents are driving with their headlights on to see the rising insurance costs, increased risks from catastrophic weather events, as well as the work being done by state legislators to reduce insurance expenses and address the shrinking pool of insurance providers.
Oregon
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Open the floodgates: Understanding insurance trends in the Northeast
Pennsylvanians navigate extreme storms and rising homeowner insurance rates. State legislators are speeding towards several initiatives aimed at addressing the rising costs of homeowner insurance premiums and blocking premium increases.
Northeast homeowners are navigating a challenging road trip marked by rising insurance costs, averaging a 20% increase over the past five years. While also facing threats of extreme weather events amidst ongoing legislative efforts to stabilize rates and enhance home resiliency.
Pennsylvania
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Open the floodgates: Understanding insurance trends in the Northeast
Rhode Islanders navigate roadblocks like winter storms, hurricanes, cybercrimes and rising insurance rates.
Homeowners in the Northeast are navigating a challenging road trip marked by rising insurance costs, averaging a 20% increase over the past five years.
While also facing threats of extreme weather events like hurricanes and flooding, all amidst ongoing legislative efforts to stabilize rates and enhance home resiliency.
Rhode Island
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When it rains, it pours: Helping Mid-Atlantic homeowners
South Carolina residents navigate many roadblocks like severe storms, rising rates, and cyberattacks. The FBI's Internet Crime Report has SC in the top 10 of the most cyberattack victims per capita.
The SC Safe Home program “greenlights” funding to make residents roofs more resilient to hurricane-force winds.
Mid-Atlantic homeowners are on a rocky road filled with rising insurance costs and limited coverage options.
South Carolina
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Journey from Oz: The real impact of tornadoes on insurance
South Dakotans navigate roadblocks like flooding, inflation, fraudulent claims, and reduced competition among insurers.
Across the Midwest residents have their hands firmly gripped to the steering wheel as they face a surge in severe weather events and an average 31% increase in insurance rates over the past five years.
State officials and the insurance industry are working to implement initiatives aimed at improving disaster preparedness and attracting new providers.
South Dakota
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Southeastern states confront severe weather and increased rates in 2025
Tennessee residents navigate roadblocks like severe storms and a hard insurance market. Legislators are working to "greenlight" the Promoting Buildings Act to help strengthen buildings and create more resilient communities.
Homeowners in the Southeast are driving up steep roads with rising insurance costs, increased risks from severe weather events like hurricanes, and a shrinking pool of insurance providers.
Tennessee
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When it rains, it pours: Helping Mid-Atlantic homeowners
Last year alone, Virginians drove through ten separate billion-dollar disastrous weather events, which impacted insurability. As a result, effective July 1, 2025 new or renewal homeowner's insurance policies must offer optional coverage for a loss caused or resulting from water that backs up through sewers or drains.
Mid-Atlantic homeowners are on a rocky road filled with rising insurance costs, limited coverage options, and the looming threat of natural disasters.
Virginia
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Open the floodgates: Understanding insurance trends in the Northeast
Vermont residents navigate roadblocks of severe winter storms and flooding. Due to these disastrous weather events, the Vermont General Assembly has recognized global climate change as a significant threat to the state, which has implications for insurance costs and coverage.
Northeast homeowners are navigating a challenging road trip marked by rising insurance costs, averaging a 20% increase over the past five years, while facing threats of extreme weather events like flooding, all amidst ongoing legislative efforts to stabilize rates and enhance home resiliency.
Vermont
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Riding the waves of the West Coast insurance market
Washington residents navigate roadblocks like severe weather, insurance rate increases, reduced coverage options, and data breeches. To help residents, legislators have “greenlit” a house bill to require car insurance policies to allow for an appraisal to resolve disputes about the cash value and amount of loss on a damaged vehicle.
West Coast residents are driving with their headlights on to see the rising insurance costs, increased risks from catastrophic weather events, as well as the work being done by state legislators to reduce insurance expenses and address the shrinking pool of insurance providers.
Washington
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Journey from Oz: The real impact of tornadoes on insurance
Wisconsin residents navigate roadblocks like severe winter storms, flooding, and rising insurance rates. Since 2018, the cost of home insurance in WI has jumped 21.4%.
Midwest residents have their hands firmly gripped to the steering wheel as they face a surge in severe events, including tornadoes.
State officials and the insurance industry are working to implement initiatives aimed at improving disaster preparedness and attracting new providers.
Wisconsin
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When it rains, it pours: Helping Mid-Atlantic homeowners
West Virginian's have drove through nine billion-dollar disastrous weather events since 2020. As a result, they now face higher rates and limited capacity from insurers. Across the Mid-Atlantic, homeowners are on a rocky road filled with rising insurance costs, limited coverage options, and the looming threat of natural disasters.
To remove roadblocks for residents, state legislators are working to implement initiatives aimed at improving insurance and coverage options.
West Virginia
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Road trip across the U.S. to view insurance trends, influence (like severe weather pl us nucler verdicts), and legislati ve actios by clicking on a state and reading more on our reional insight blogs.
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Alabama
Alaska
Arizona
Arkansas
Arkansas
Arkansas
Connecticut
Connecticut
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Vermont
Virginia
Washington
West Virginia
Wisconsin
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Vermont
Virginia
Washington
West Virginia
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Vermont
Virginia
Washington
West Virginia
Wisconsin
Riding the waves of the West Coast insrance market
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
A of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Maryland residents navigate many severe weather roadblocks and cyberattacks. Legislators are speeding ahead with plans to address Maryland's rising insurance costs linked to severe weather disasters.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
Alaskans navigate many roadblocks but the one that tops the list is wildfires. One of the most destructive being the Lime Complex Fire, which caused up to $100 million in damage and burned more than 3.1 million acres.
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Alabama “greenlit” the Strengthen Alabama Homes program, which offers small grants to reinforce roofs and improve wind resistance.
Arkansas residents navigate roadblocks like rising insurance rates and insurability challenges. Lawmakers are teed up to “greenlight” ways to keep rates from rising for homeowners in their 2025 legislative sessions.
Arizona residents navigate roadblocks like droughts and wildfires along with rising insurance rates. Arizona’s Department of Insurance and Financial Institutions is speeding ahead with a new council to address this.
Californians navigate roadblocks like a 48.4% increase in home insurance rates from 2019 to 2024, rising auto rates, and many cybercrimes. In response, legislators "greenlit" ideas to combat insurance challenges.
Colorado residents navigate roadblocks like winter storms, wildfires, and droughts, paired with steep insurance rate hikes. Colorado legislators are speeding towards several measures and established the Colorado FAIR Plan in 2023.
Connecticut residents are deluged with flooding, severe storms, winter storms, and rising insurance costs. Homeowners in the Northeast are navigating a challenging roadtrip averaging a 20% insurance increase over the past 5 years.
Delaware residents experience a variety of severe weather along with the rising cost of homeowners insurance.
Floridians navigate roadblocks like severe storms, hurricanes, wildfires, skyrocketing insurance rates, flood coverage struggles, and rising construction costs after catastrophic weather events.
Georgia residents navigate roadblocks like severe weather and insurability challenges. As a result, Georgia’s governor is speeding towards tort reform and legislators are considering a cap to jury award limits.
Hawaiians navigate roadblocks like wildfires and insurance rate hikes. The Hawaiian Supreme Court recently put up a stop sign for insurance companies ruling they cannot bring legal action against those blamed for starting the wildfire.
Iowans navigate roadblocks like severe storms including tornadoes, hail and high winds, drought, flooding, rising insurance rates, inflation and fraudulent claims.
Residents across the region face a steep road ahead full of insurance rate increases, barricades in finding coverage, and heightened risks from natural disasters.
Midwesterners have their hands firmly gripped to the steering wheel as they face a surge in severe weather and an average 31% increase in insurance rates over the past five years.
Indiana has seen slippery roads with an average annual rainfall increase of 15% along with rising home and auto rates.
Kansas residents are use to active spring weather, but 2024 was the most active period in 74 years. This contributed to higher insurance rates, inflation, and fraudulent claims.
Kentucky residents navigate roadblocks like severe storms and a hard insurance market. Kentucky state legislators “greenlit” a bill to support better construction of homes and the use of fortified roofs.
Across the Southwest homeowners are on a bumpy road as they face rising insurance premiums and strict coverage while steering through severe weather events, like wildfires, tornadoes, and hurricanes, which threaten their homes.
Residents of Massachusetts navigate many roadblocks but the rising wildfires top the list. They experienced 15 wildfires in October 2023, but 212 in October 2024. This has been a strong factor to the rising insurance rates.
Maryland residents navigate many severe weather roadblocks and cyberattacks. Legislators are speeding ahead with plans to address Maryland's rising insurance costs linked to severe weather disasters.
Maine residents navigated roadblocks like severe storms, winter storms, flooding, and insurance rates increases an average of 15%-19% in 2024.
Michiganders navigated roadblocks like severe storms, winter storms, flooding, drought, rising home and auto rates, inflation and fraudulent claims.
The land of 10,000 lakes navigates many roadblocks from severe weather to major increases in their insurance premiums. Minnesota saw the largest auto insurance rate hike in the Midwest with 19.8%.
Missourians navigate many weather related roadblocks like severe storms, derechos, flooding, winter storms, and rising insurance rates.
Mississippians have navigated many severe weather roadblocks paired with insurability challenges. Legislators are speeding ahead with plans to help strengthen homes and communities in the face of extreme weather.
Montana residents navigate multiple roadblocks like severe storms and rising insurance rates. To combat this, Montana is considering “greenlighting” a FAIR Plan to help homeowners obtain insurance coverage.
North Carolinians insurance law allows high risk homeowners to be insured under a “consent-to-rate” exception where they may agree to pay policy premiums at rates that are up to 250% of the state bureau’s rate.
Midwesterners have their hands firmly gripped to the steering wheel as they face a surge in severe weather and an average 31% increase in insurance rates over the past five years.
Nebraskans navigate many severe weather roadblocks and rising home insurance rates. In fact, they experienced the largest home insurance increase in the Midwest of 59.9% over the past five years.
While premiums have been fairly stable for New Hampshire residents in comparison to other Northeastern states, climate disasters elsewhere could raise insurance costs in the Granite state.
Homeowners in the Northeast are navigating a challenging road trip marked by rising insurance costs, averaging a 20% increase over the past five years.
New Mexicans navigate roadblocks like wildfires, exorbitant awards to plaintiffs in personal injury caes, rising rate increases, and cyberattacks on the bumper of natural disasters.
Nevada residents navigate roadblocks like drought, wildfire, winter storms, and rising insurance premiums. Nevada’s insurance commissioner is speeding towards solutions to address homeowner uninsurance rates.
New Yorkers navigate roadblocks like rising rates and cybercrimes. Legislators are speeding towards solutions with a bill to halt increases in homeowner insurance rates that exceed 25% per year, unless agreed upon in the policy.
Throughout Ohio, insurers have been losing profits in the past few years, which has unfortunately been passed on to consumers with higher than normal rate increases.
Oklahomans navigate roadblocks like extreme tornadoes, ravishing wildfires, and cyberattacks. Oklahoma’s legislators “greenlit” the “Strengthen Oklahoma Homes Act” to improve resilience and lower insurance rates for homeowners.
Oregon residents navigate roadblocks like wildfires, rate increases, and limited coverage options. In response, Oregon “greenlit” a law to require insurers to pay 70% of the coverage limit without an inventory post catastrophic wildfires.
Pennsylvanian legislators are speeding towards several initiatives aimed at addressing the rising costs of homeowner insurance premiums and blocking premium increases.
Rhode Islanders navigate roadblocks like winter storms, hurricanes, cybercrimes and rising insurance rates.
South Carolina residents navigate many roadblocks like severe storms, rising rates, and cyberattacks. The FBI's Internet Crime Report has SC in the top 10 of the most cyberattack victims per capita.
South Dakotans navigate roadblocks like flooding, inflation, fraudulent claims, and reduced competition among insurers.
Tennessee residents navigate roadblocks like severe storms and a hard insurance market. Legislators are working to "greenlight" the Promoting Buildings Act to strengthen buildings and create more resilient communities.
Last year alone, Texans drove through 20 separate billion-dollar disastrous weather events with roadblocks from cyberattacks and nuclear verdicts.
Virginia residents are on a rocky road filled with rising insurance costs, limited coverage options, and the looming threat of natural disasters. State legislators are working on initiatives to remove roadblocks.
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Protecting the peaks: Recognizing current insurance risks
Utah has experienced five major natural disasters over the past five years costing up to $500 million. This includes earthquakes, flooding/avalanches, and wildfires.
Residents across the region face a steep road ahead full of insurance rate increases, barricades in finding coverage, and heightened risks from natural disasters.
Utah
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X
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WY
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Protecting the peaks: Recognizing current insurance risks
Wyoming experienced eight natural disasters over the past five years costing up to $1 billion in damages. The state is susceptible to additional disasters related to: flooding, tornadoes, and wildfires.
Residents across the region face a steep road ahead full of insurance rate increases, barricades in finding coverage, and heightened risks from natural disasters.
Wyoming
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Vermont
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Wisconsin
Wyoming
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Nevada residents navigate roadblocks like drought, wildfire, winter storms, and rising insurance premiums. Nevada’s insurance commissioner is speeding towards solutions to address homeowner uninsurance rates.
Protecting the peaks: Recognizing current insurance risks
Nevada
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Utah residents navigate roadblocks like drought, wildfire, winter storms, and rising insurance premiums. Nevada’s insurance commissioner is speeding towards solutions to address homeowner uninsurance rates.
Protecting the peaks: Recognizing current insurance risks
Utah
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X
VT
UT
WI
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Residents across the region face a steep road ahead full of insurance rate increases, barricades in finding coverage, and heightened risks from natural disasters.
Residents across the region face a steep road ahead full of insurance rate increases and barricades in policy coverage.
Protecting the peaks: Recognizing current insurance risks
Idaho
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Residents across the region face a steep road ahead full of insurance rate increases, barricades in finding coverage, and heightened risks from natural disasters.
Residents across the region face a steep road ahead full of insurance rate increases and barricades in policy coverage.
Protecting the peaks: Recognizing current insurance risks
Utah
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X