Florida and California Are Losing Carrier Coverage Faster Than Any Other State
A non-renewal is different from a denial. It means an insurer that already covered a home decides not to continue that coverage at the next renewal date, often after a state regulator has approved the move. According to a Weiss Ratings analysis of state insurance filings, corroborated by a separate NPR-affiliate report, Florida’s non-renewal rate has climbed to 3.35% of in-force policies, up from under 2% just six years earlier. The rate had already risen 280% between 2018 and 2023 alone, reaching 2.99% that year, before climbing further to its current level.
California is not far behind. Its non-renewal rate reached 3.18% of policies, the second-highest in the nation behind Florida, and roughly 3.9 times its own 2018 rate of 0.82%. For a roofing company working either state, a non-renewal notice is often the moment a homeowner first learns their roof’s age or condition is a factor in whether their carrier will keep insuring the home at all.
Regulators Ordered a Nationwide Data Call in March 2026
The National Association of Insurance Commissioners announced a nationwide homeowners-insurance data call at its 2026 Spring National Meeting on March 26, 2026. Any insurer writing at least $50,000 in relevant homeowners premium must submit ZIP-code-level data, including cancellations and non-renewals, covering policy years 2018 through 2025, with a submission deadline of June 15, 2026 and a public report expected in early 2027.
A data call at this scale does not happen over a stable market. It is a direct signal that state and federal-adjacent regulators consider the Florida and California trend significant enough to need a full national picture before deciding what, if anything, comes next.
The Numbers
Florida’s homeowners insurance non-renewal rate has climbed to 3.35% of in-force policies, after rising 280% between 2018 and 2023 alone to reach 2.99% that year.
California’s non-renewal rate reached 3.18% of policies, the second-highest in the nation, roughly 3.9 times its own 2018 rate of 0.82%.
The NAIC ordered a nationwide homeowners-insurance data call on March 26, 2026, requiring insurers writing at least $50,000 in relevant premium to report ZIP-code-level cancellation and non-renewal data for 2018 through 2025 by June 15, 2026.
Sources
The external data in this article draws on the sources below. Figures described in the text as estimates or industry triangulations are directional and are not attributed to a single dataset.
- Weiss Ratings, homeowners dropped by insurers at highest rate in nation
- CF Public, an NPR affiliate, Florida leads nation in non-renewal rates
- NAIC, nationwide homeowners market data call