Active Crisis — Updated Weekly

Insurance Crisis Dashboard

Insurance costs have risen ~70% since 2020. In Florida, Louisiana, and California, carriers are withdrawing entirely. This dashboard tracks the crisis by state and its impact on real estate investors.

$10,240/yr

Highest State Avg

Florida

$601/yr

Lowest State Avg

Hawaii

~70%

National Avg Increase

Since 2020

18+

Carrier Insolvencies

FL + LA combined

Insurance Impact Calculator

Insurance as % of Gross Rent

16.7%

Moderate — factor into proforma carefully

State-by-State Insurance Data

FL

FloridaCrisis

6+ insolvencies; Citizens peaked at 1.42M policies (now 385K after reforms)

$10,240/yr

+7% YoY

LA

LouisianaCrisis

12 insolvencies + 24 voluntary exits 2020-2023

$6,438/yr

+12% YoY

OK

OklahomaCrisis

Rising tornado/hail claims

$5,858/yr

+15% YoY

NE

NebraskaHigh Risk

Severe weather claims increasing

$5,765/yr

+18% YoY

KS

KansasHigh Risk

Tornado alley; rising severe weather claims

$4,800/yr

+14% YoY

CO

ColoradoHigh Risk

Hail capital of the US; Marshall Fire aftermath

$4,639/yr

+16% YoY

TX

TexasHigh Risk

Hail/wind claims; some coastal restrictions

$4,443/yr

+10% YoY

MS

MississippiHigh Risk

Hurricane exposure; coastal restrictions

$4,200/yr

+11% YoY

CA

CaliforniaCrisis

State Farm, Allstate, Farmers stopped new policies; 7+ carriers restricted

$3,800/yr

+20% YoY

GA

GeorgiaModerate

Limited; coastal Savannah area only

$2,860/yr

+8% YoY

MO

MissouriModerate

Tornado risk; St. Louis hail

$2,850/yr

+7% YoY

SC

South CarolinaModerate

Coastal wind; inland OK

$2,750/yr

+7% YoY

NC

North CarolinaModerate

Coastal wind pool; inland stable

$2,680/yr

+6% YoY

TN

TennesseeModerate

Minimal issues; tornado risk only

$2,450/yr

+5% YoY

MI

MichiganLow Risk

None significant

$2,400/yr

+5% YoY

AL

AlabamaModerate

Coastal wind; inland stable

$2,380/yr

+5% YoY

IA

IowaModerate

Derecho/severe storm claims rising

$2,350/yr

+12% YoY

AZ

ArizonaLow Risk

Minimal; wildfire-adjacent only

$2,200/yr

+6% YoY

PA

PennsylvaniaLow Risk

None significant

$2,100/yr

+4% YoY

NV

NevadaLow Risk

None significant

$2,100/yr

+4% YoY

OH

OhioLow Risk

None significant

$2,076/yr

+4% YoY

IN

IndianaLow Risk

None significant

$1,850/yr

+3% YoY

MA

MassachusettsLow Risk

None significant

$1,750/yr

+3% YoY

HI

HawaiiLow Risk

None

$601/yr

+2% YoY

Sources: MoneyGeek 2026, Bankrate 2026, Insurify 2026, LendingTree Stability Report, S&P Global, state insurance department filings.

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