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State-backed insurers of last resort
- National carriers 13
- Regional carriers 36
- AAA auto clubs 3
- Farm Bureau insurers 11
- Affinity and military insurers 3
- High-net-worth insurers 5
- Florida and coastal specialists 25
- Digital and insurtech insurers 8
- Manufactured home and specialty dwelling insurers 4
- State-backed insurers of last resort 5
- Program carriers and fronting insurers 7
| # | Insurer | Type | Market share (2025) | AM Best |
|---|---|---|---|---|
| 19 | Citizens Property Insurance Corporation (Florida)Florida's not-for-profit, government-created insurer of last resort; takeouts cut it from 1.41 million policies in 2023 to about 255,000 in October 2026. | State-backed insurers of last resort | 0.80% | — |
| 86 | Texas FAIR Plan and Texas Windstorm Insurance AssociationTexas' insurers of last resort: the FAIR Plan sells basic homeowners coverage statewide, and TWIA sells wind and hail coverage on the coast. | State-backed insurers of last resort | 0.12% | — |
| — | California FAIR PlanCalifornia's insurer of last resort, a pool of all licensed property insurers selling basic fire policies; 696,562 policies in force in June 2026. | State-backed insurers of last resort | — | — |
| — | Louisiana Citizens Property Insurance CorporationLouisiana's nonprofit insurer of last resort, created in 2003 to run the state's FAIR and Coastal plans, with rates set by law above the private market's. | State-backed insurers of last resort | — | — |
| — | NC Insurance Underwriting Association (Coastal Property Insurance Pool)North Carolina's market of last resort for the Outer Banks and 18 coastal counties, writing homeowners, dwelling and wind-only policies up to $1 million. | State-backed insurers of last resort | — | — |
Ranked by 2025 U.S. homeowners multiple peril direct premiums written (states and U.S. territories), from the NAIC 2025 Market Share Reports for Property/Casualty Groups and Companies. NAIC groups combine affiliated companies, so a group may sell under several brand names. Brands listed without a rank are part of a larger group or outside the top 100.