America’s Home Insurance Crisis Has a New Epicenter
Since the pandemic, the two coastal states dominated the discourse around a growing threat on the U.S. homeowners insurance industry: the withdrawal of private carriers as they face higher risks, rising costs and dwindling profits. Despite a year-over-year decline, California still placed second-worst nationally last year for nonrenewals, with insurers refusing to renew 2.93 percent of policies in force in 2025, about one in 34. The rate was 8.4 times higher than in 2018 and 2.6 times higher than in 2024, vaulting Utah from 17th highest in the country to first in a single year."In a very short period of time, Utah has gone from a warning to the nation’s loudest alarm bell," Weiss Ratings founder Dr.
- ▪Since the pandemic, the two coastal states dominated the discourse around a growing threat on the U.S. homeowners insurance industry: the withdrawal of private carriers as they face higher risks, rising costs and dwindling profits.
- ▪Despite a year-over-year decline, California still placed second-worst nationally last year for nonrenewals, with insurers refusing to renew 2.93 percent of policies in force in 2025, about one in 34.
- ▪The rate was 8.4 times higher than in 2018 and 2.6 times higher than in 2024, vaulting Utah from 17th highest in the country to first in a single year."In a very short period of time, Utah has gone from a warning to the nation’s loudest ala
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| Original publisher | Newsweek |
| Canonical URL | https://www.newsweek.com/americas-home-insurance-crisis-new-epicenter-12424297 |
| Publication time | Thu, 10 Sep 2026 07:15:35 -0400 |
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By Giulia CarbonaroSenior Reporter0ShareNewsweek is a Trust Project memberSee more of our trusted coverage when you search.Prefer Newsweek on Googleto see more of our trusted coverage when you search.The U.S. homeowners insurance crisis has now spread beyond disaster-prone coastal states such as California and Florida, finding its new epicenter in a landlocked state in the Mountain West: Utah.A new analysis by Weiss Ratings of 2025 data reported by insurers to the National Association of Insurance Commissioners (NAIC) found that The Beehive State had the highest insurer-initiated homeowners nonrenewal rate in the country last year, surpassing both California and Florida. This is an important shift.
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