Insurance Coverage

Insurance Coverage is a data page on the Domestic Intelligence desk of Glassbox Auditing. Flood insurance written and claimed in every state and county by month since 2009, California's shift of homeowners to its last-resort FAIR Plan, and a basket of listed insurers' shares, each against its own same-month history. When insurers pull back or claims spike, owning a home costs more and public backstops take on the risk.

Last updated: 5 Nov 2026.

What is the latest reading?

New flood policies (NFIP, first term beginning): 4,645 policies as of 1 Sep 2026, -59.7% since Jan 2009. Source: FEMA OpenFEMA, NFIP Redacted Policies v3 (flood insurance policy terms since 2009).

What is on this page today?

Listed property and casualty insurers' shares: equal-weight index 1,794, +24.5% over 12 months at the 06 November 2026 close — Ten insurers weighted equally (100 at the first trading day on file): ALL, CB, EG, HCI, HIG, HRTG, PGR, RNR, TRV, UVE. A market reaction to storm and fire seasons, not a measure of coverage. (NYSE, 5 Nov 2026)
California's FAIR Plan insures 686,376 policies at the end of its 2026 fiscal year, +6.9% on 2025 — Policies in force on 30 September each fiscal year, residential, commercial and business-owner lines together. Regular insurers did not renew 788,485 California home policies in 2023. (California FAIR Plan Association, 29 Sep 2026)
Tropical Storm Arthur, Jun 2026: 1,235 flood insurance claims, $49.4M paid so far — Losses from June 2026 · LA, MS, TX (FEMA (National Flood Insurance Program), 7 Sep 2026)
Indiana flooding, Aug 2026: 446 flood insurance claims, $7.32M paid so far — Losses from August 2026 · IN (FEMA (National Flood Insurance Program), 7 Sep 2026)
Texas flooding, Jul 2026: 179 flood insurance claims, $8.59M paid so far — Losses from July 2026 · TX (FEMA (National Flood Insurance Program), 7 Sep 2026)
West Virginia flooding, Jul 2026: 85 flood insurance claims, $1.45M paid so far — Losses from July 2026 · WV (FEMA (National Flood Insurance Program), 7 Sep 2026)
Tropical Storm Edouard, Sep 2026: 8 flood insurance claims — Losses from September 2026 · TX (FEMA (National Flood Insurance Program), 7 Sep 2026)
Typhoon Bavi, Jul 2026: 1 flood insurance claim — Losses from July 2026 · GU (FEMA (National Flood Insurance Program), 7 Sep 2026)
28,073 new flood insurance policies began in August 2026, 0.77 times the usual for the month; -22.1% on August 2025 — First-term National Flood Insurance Program policies; the usual is the median of the same month over the prior five years. Most begin 30 days after purchase, so a buying rush shows the month after. Bars: the five states… (FEMA (National Flood Insurance Program), 30 Aug 2026)
Flood claims ran 2.2 times the usual in June 2026: 1,741 claims — 5 months in the last two years at 1.5 times the same-month baseline or more (median of the prior five years); the bars are the five largest, in times the usual. A spike is a fact about the count, not a cause. Largest… (FEMA (National Flood Insurance Program), 29 Jun 2026)

Where does the data come from?

Items on this page come from NYSE; California FAIR Plan Association; FEMA (National Flood Insurance Program). Each item links to its own source. All sources, how items are checked.

What does this page lead to?

Credit & Housing (Macro): Mortgage lenders require proof of insurance, so where insurers stop renewing or premiums jump, home sales slow and owners turn to costlier last-resort cover such as California's FAIR Plan. (moves the other way; months; economy scale) Source: California Department of Insurance, residential market data (new, renewed, non-renewed policies by county and ZIP).
Stock by Stock (Markets): The storms and fires that lift flood claims also bring wind and fire losses that private insurers carry (NFIP flood losses are federal), so listed property insurers tend to dip around large events. (moves the other way; days; company scale) Source: Yahoo Finance: share prices of listed property and casualty insurers and reinsurers (ALL, TRV, CB, PGR, HIG, UVE, HCI, HRTG, RNR, EG).
Company Reports (Calendar): Large fires and hurricanes reach listed insurers' next quarterly results as catastrophe losses, as the January 2025 Los Angeles fires did in first-quarter 2025 reports. (moves the other way; next quarterly report; company scale) Source: SEC EDGAR filings (10-Q/10-K text).
Budget & Spending (Macro): The NFIP borrows from the Treasury when a catastrophe's claims exceed its reserves, and Congress cancelled $16 billion of that debt in 2017, so a claims spike can become a federal cost. (moves the same way; months to years; economy scale) Source: FEMA OpenFEMA, NFIP Redacted Claims v3 (flood insurance claims since 1978).
Household Finances (Macro): Higher premiums and last-resort policies, which in California often need a second policy for theft and liability, raise homeowners' fixed costs and leave less for other spending. (moves the other way; at renewal; economy scale) Source: California FAIR Plan, key statistics (policies in force and exposure by county).

What feeds this page?

Traffic Cameras (Global Intelligence): Flooded roads on the cameras mark the areas where flood-insurance claims tend to follow; NFIP claims are filed in the weeks after the water recedes. (moves the same way; weeks; sector scale) Source: FEMA OpenFEMA, NFIP Redacted Claims v3 (flood insurance claims since 1978).
Disasters (Global Intelligence): Large earthquakes, floods and storms land partly on reinsurers, so a costly year raises their losses and the rates they charge at the next renewal. (moves the same way; months; sector scale) Source: Yahoo Finance: share prices of listed property and casualty insurers and reinsurers (ALL, TRV, CB, PGR, HIG, UVE, HCI, HRTG, RNR, EG).
Wildfires & Hurricanes (Global Intelligence): A hurricane landfall in Florida, Texas or Louisiana raises flood and wind claims, landing first on the NFIP and on Florida-focused insurers. (moves the same way; weeks; sector scale) Source: FEMA OpenFEMA, NFIP Redacted Claims v3 (flood insurance claims since 1978).