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Wildfire, Hurricane and Flood Coverage states
Alabama Alabama home insurance: State Farm and Alfa lead, coastal wind drives premiums, AIUA covers Mobile and Baldwin, and FORTIFIED discounts are mandatory. Alaska Alaska home insurance: a small, concentrated market led by State Farm, USAA and Allstate, earthquake gaps, no FAIR plan, and strong notice and claim rules. Arizona Arizona home insurance: a competitive market led by State Farm, below-average premiums, wildfire and monsoon risk, no FAIR plan and a one-year suit deadline. California California home insurance: State Farm's pause, a FAIR Plan near 700,000 policies, wildfire nonrenewal rules, CEA earthquake cover and claim deadlines. Colorado Colorado home insurance: hail-driven premiums, wildfire claim protections after the Marshall Fire, the new FAIR Plan, wind/hail deductibles and claim deadlines. Connecticut Connecticut home insurance: coastal hurricane deductible rules, crumbling-foundation help, the CT FAIR Plan, nonrenewal notice and claim deadlines. Delaware Delaware home insurance: a State Farm-led market, hurricane deductible notices, the small Delaware FAIR Plan, state claim arbitration and nonrenewal rules. District of Columbia D.C. home insurance: Travelers leads a $265 million market, flood and sewer backup are the big gaps, and the DC Property Insurance Facility is the backstop. Georgia Georgia home insurance: State Farm and Allstate lead a $6.4 billion market, coastal wind and inland storms drive costs, and the GUA is the backstop. Hawaii Hawaii home insurance: State Farm leads, hurricane cover is often a separate policy, HPIA insures lava-zone homes, and 2026 storms tested claim rules. Idaho Idaho has no FAIR plan. Liberty Mutual and State Farm lead, premiums rose 37% in 2022-2024, and wildfire nonrenewals push more homes to surplus lines. Indiana Indiana home insurance: State Farm leads, tornadoes and hail drive claims, new 2027 rules cover aerial-image nonrenewals, and mine subsidence cover is optional. Iowa Iowa home insurance: State Farm and Farm Bureau lead, storms and floods drive claims, and state rules set claim clocks, 60-day nonrenewals and AOB limits. 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. Maryland Maryland home insurance: a market spread across five big groups, a statewide hurricane deductible trigger, a credit-score ban, the JIA and claim deadlines. Michigan Michigan home insurance: a market led by State Farm and Michigan-based carriers, Essential Insurance Act protections, the MBPIA FAIR plan and claim deadlines. 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. Missouri Missouri home insurance: State Farm and American Family lead, hail and the 2025 tornado season drive premiums, and New Madrid quake cover stays rare. Montana Montana has no FAIR plan. State Farm and Liberty Mutual lead, premiums rose 74% from 2018 to 2024, and wildfire nonrenewals hit Ravalli and Flathead counties. Nevada Nevada home insurance: State Farm leads a low-premium market, wildfire drives declines, a 2026 law allows wildfire exclusions, and there is no FAIR plan. New Jersey New Jersey home insurance: NJM leads, coastal hurricane deductibles are capped by rule, flood is the big gap, and a small FAIR plan covers what insurers won't. 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. New York New York home insurance: State Farm, Allstate and Chubb lead, hurricane deductibles need a New York landfall, and NYPIUA and C-MAP back up coastal homes. North Carolina North Carolina home insurance: a Rate Bureau sets base rates, State Farm and NC Farm Bureau lead, and a FAIR Plan and Coastal Pool back up the coast. Oregon Oregon home insurance: premiums rank among the lowest in the U.S., but wildfire is reshaping the market and earthquake coverage must be bought separately. Pennsylvania Pennsylvania home insurance: State Farm and Erie lead, premiums run below average, nonrenewal rules are strict, and flood and mine subsidence cost extra. Rhode Island Rhode Island home insurance: Allstate and Amica lead, hurricane deductibles are capped at 5%, coastal homes are harder to insure and the FAIR plan is broad. South Carolina South Carolina home insurance: State Farm leads a $3.51 billion market, coastal wind drives prices, and SC Wind and Safe Home grants serve the coast. South Dakota South Dakota home insurance: State Farm and American Family lead a $555 million market where hail and wind drive claims and no FAIR plan exists. Tennessee Tennessee home insurance: State Farm and Farm Bureau write 40% of a $3.86 billion market shaped by tornadoes, hail, ice storms and earthquake risk. 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. Utah Utah home insurance: State Farm leads a spread-out market, there is no FAIR plan, quake cover is sold separately and a 2025 wildfire map law binds insurers. Vermont Vermont home insurance: two local mutuals lead a small market, there is no FAIR plan, and few homes carry flood cover despite the 2023 and 2024 floods. Virginia Virginia home insurance: State Farm and USAA lead, Hampton Roads carries the flood and hurricane risk, VPIA is the FAIR plan, and a roof-age law starts in 2027. Washington Washington home insurance: five big groups split the market, wildfire nonrenewals have doubled, quake cover is extra, and new claim rules start Oct. 18, 2026. West Virginia West Virginia home insurance: State Farm and Erie write nearly half the market, mine subsidence cover is built in by law and the FAIR plan is tiny. Wisconsin Wisconsin has the cheapest average HO-3 premium in the U.S., three home-state insurers in the top 10, an ACV-only FAIR plan and a big flood insurance gap. Wyoming Wyoming has no FAIR plan. State Farm and Farmers lead, hail and a near-record 2024 fire season push prices up, and natural-cause claims get renewal protection.