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Citizens and State-Backed Insurers states
Florida Florida home insurance: Citizens has shrunk since the 2022–2023 reforms, statute sets hurricane deductibles, and claims run on tight 7-, 30- and 60-day clocks. Louisiana Louisiana home insurance: the highest average premium in the U.S., Louisiana Citizens as last resort, named-storm deductibles and 2024-2026 claim reforms. Massachusetts Massachusetts home insurance: a market led by regional carriers, a growing FAIR Plan on Cape Cod, mandatory wind deductibles, and claim and nonrenewal rules. New Mexico New Mexico home insurance: State Farm leads, wildfire and burn-scar floods drive nonrenewals, and the FAIR plan now covers homes up to $750,000 at cash value. Texas Texas home insurance: the largest state market, led by State Farm; hail and hurricanes drive high premiums, and TWIA and the FAIR Plan are the backstops.