Florida Insurance Commissioner Mike Yaworsky is leading a nationwide effort to collect the most comprehensive homeowners insurance data ever undertaken in the United States, requiring insurers to submit detailed information down to the ZIP code level. The National Association of Insurance Commissioners initiative will require insurers writing at least $50,000 in homeowners insurance premiums to submit years of data on claims, cancellations and policies in force. Yaworsky chairs the NAIC’s Homeowners Market Data Call Task Force overseeing the project.
“State insurance regulators are on the frontlines of consumer protection,” said Florida Insurance Commissioner and NAIC Homeowners Market Data Call Task Force Chair Mike Yaworsky. “Our state-led data call will help equip us with even more information, tools and resources to not only speed resilience but also increase preparation before severe weather hits. It will also help us ensure companies have the capital they need to quickly and fully pay claims in some of consumers’ most vulnerable moments.”
Insurers must submit data by June 15, covering policy years 2018 through 2025, with a public report scheduled for early 2027. The NAIC is requesting detailed information including policy type, premiums, claims and losses by peril, deductibles, cancellations and nonrenewals, coverage limits, replacement cost versus actual cash value, and mitigation discounts. The 2026 data call is broader than prior efforts, capturing multiple years of information to track trends over time.
Florida’s property insurance market has faced particular challenges, with Citizens Property Insurance Corporation growing to about 1.4 million policyholders and becoming the state’s largest home insurer. Citizens still holds more than 1.3 million policies and roughly one in five homeowners is estimated to have no insurance at all. A recent analysis by the Perryman Group found legislative tort reforms passed in 2022 and 2023 prevented Florida property and casualty insurance premiums from rising an average of 14.5% and spurred economic growth across the state.
Separate analysis by Weiss Ratings of NAIC data found that homeowners in Florida and California were dropped by their insurers at the highest rates in the country in 2024. From 2018 to 2023, the state insurers of last resort in California, Florida and Louisiana saw their policy counts roughly double as private carriers pulled back. High-profile carrier retrenchments have amplified political pressure, with State Farm and Allstate halting new homeowners business in California in 2023, citing wildfire risk and inflation.
“For years, insurers have highlighted that the primary pressures on affordability and availability, such as legal system abuse, building costs, and exposure to extreme weather, lie largely outside the industry’s control,” said Erica Weyhenmeyer, policy vice president for market regulation and workers’ compensation at the National Association of Mutual Insurance Companies. “We expect the data call findings will affirm that conclusion and show that states which maintain balanced regulatory frameworks - including litigation reform and flexibility in rate, form, and underwriting - deliver the most stable and resilient markets for consumers.”
The data collection effort comes as homeowners insurance markets across the country face mounting pressure from severe weather, higher rebuilding costs and shifting risk models. Regulators say the expanded data collection will help identify where coverage is becoming less available, how often policies are being canceled or not renewed and how claims trends differ by region. The effort also includes information on mitigation discounts, such as those tied to storm-hardening improvements.
Weyhenmeyer noted that the design of this year’s call represents “meaningful progress” in terms of transparency and execution. She said the focus on affordability, availability and catastrophe risk mirrors the legislative and social questions regulators are trying to answer. Trade groups acknowledged that the request is highly detailed and resource-intensive, but some see it as a necessary step toward a more evidence-based policy debate.
The project builds on a 2024 agreement between the US Treasury’s Federal Insurance Office and the NAIC to share and standardize homeowners insurance data, after Treasury warned that climate-related events were driving up costs and eroding availability in many regions. Treasury’s January 2025 report concluded that homeowners insurance costs are rising and availability is declining, particularly in states exposed to wildfires, hurricanes and convective storms.
Officials say the findings will be used to guide policy decisions and improve oversight of the homeowners insurance market. The NAIC also announced at its spring national meeting an update on its Artificial Intelligence Systems Evaluation Tool, which is being piloted with volunteer insurers in 2026 to examine how carriers govern and monitor AI systems used in underwriting, claims and marketing.