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Roofs, Mitigation and Discounts states
Alabama Alabama home insurance: State Farm and Alfa lead, coastal wind drives premiums, AIUA covers Mobile and Baldwin, and FORTIFIED discounts are mandatory. Arkansas Arkansas home insurance: State Farm and Farm Bureau lead, hail and tornadoes push premiums above average, no FAIR plan, and a new FORTIFIED roof grant program. Kentucky Kentucky home insurance: State Farm and Kentucky Farm Bureau write nearly half, FORTIFIED discounts began in 2026, and nonrenewals need 75 days' notice. Minnesota Minnesota home insurance: a State Farm-led market, hail-driven costs, and state rules on wind/hail deductibles, nonrenewal appeals and FORTIFIED discounts. Mississippi Mississippi home insurance: State Farm and Farm Bureau lead, the coastal wind pool set a 16% rate rise for 2026, and FORTIFIED roof grants restarted. New Hampshire New Hampshire home insurance: Liberty Mutual leads a crowded, low-cost market; insurers can't refuse a home on location alone, and there is no FAIR plan. Oklahoma Oklahoma home insurance: State Farm writes nearly a third of the market, hail drives some of the nation's highest premiums, and there is no FAIR plan.