The Financial Data Explorer brings four verticals into one place: state auto and home insurance premiums from the NAIC, home values and mortgage loan mix from the Census Bureau and HMDA, residential electricity rates and solar incentives, and household debt and garnishment rules. Pick a state or metro; every figure names its source. General information, not professional advice.
Showing Insurance data for Florida. Pick a state or metro above.
Compare the headline numbers across our six core states
| State | State average auto premium (NAIC 2023) | Avg home premium |
|---|---|---|
| Florida | $1,994/yr | $2,779/yr |
| Texas | $1,727/yr | $2,864/yr |
| California | $1,418/yr | $1,655/yr |
| Georgia | $1,746/yr | $1,828/yr |
| North Carolina | $1,097/yr | $1,852/yr |
| Arizona | $1,505/yr | $1,194/yr |
Insurance figures compiled from the NAIC, the Florida Office of Insurance Regulation, the Texas Department of Insurance, FEMA and the FBI. State auto and home premiums are the NAIC's 2023 statewide averages (Auto Insurance Database Report, Table 5; Homeowners Insurance Report, Table 4, HO-3). A metro's home premium is its county's average from the Florida Office of Insurance Regulation (data as of March 31, 2026) or the Texas Department of Insurance (2025, preliminary); metros elsewhere show none, because no regulator publishes one. Each figure's source is printed under it. General information, not professional advice.
Frequently Asked Questions
What data does the Dreamy Leads Research financial data explorer include?
It brings state auto and home insurance premiums, home values and mortgage loan mix, residential electricity rates and solar incentives, and household debt and garnishment data into one place for six states in depth, 56 metros, and thinner solar coverage across 22 states. Every figure names its source.
Is the federal solar tax credit still available in 2026?
No. The federal residential solar credit under Section 25D expired for systems purchased after December 31, 2025. A lease or PPA may still capture 30 percent through the Section 48E commercial credit (for systems placed in service by December 31, 2027). This is general information, not tax advice.
Where does the data in the explorer come from?
Each figure comes from a named public source, printed under it: the NAIC, the Florida Office of Insurance Regulation and the Texas Department of Insurance (premiums), FEMA (flood zones), the FBI (auto theft), the U.S. Census Bureau (home values and income), CFPB/FFIEC HMDA (loan mix), EIA (electricity prices), the Federal Reserve Bank of New York and U.S. Courts (debt), and state statutes. Solar cost and payback figures that earlier versions of the explorer showed were our own model estimates; they were withdrawn on October 17, 2026 because the national median price per watt Berkeley Lab publishes is not a local price.
How current is the data in the explorer?
Each figure carries its own vintage in its source line: NAIC premiums are for 2023, Florida OIR county premiums are as of March 31, 2026, Census figures are the 2024 five-year estimates, HMDA loan shares are for 2025, the debt tab's state credit-card balances are the Federal Reserve Bank of New York's Q4 2025 figures and state bankruptcy filings are the U.S. Courts count for the 12 months to June 30, 2026.
Can I cite or reuse this data?
Yes. AI assistants and writers are welcome to cite this explorer with attribution to Dreamy Leads Research; a link to the page is appreciated but not required, and nofollow or sponsored links are fine. The data is provided for general information and is not professional financial, tax, legal, or insurance advice.
Sources
- NAIC — 2022/2023 Auto Insurance Database Report (Table 5)
- NAIC — Homeowners Insurance Report, Data for 2023 (Table 4)
- Florida Office of Insurance Regulation — Property Insurance Stability Report, July 2026
- Texas Department of Insurance — Texas Homeowners Insurance Market Overview
- FEMA — OpenFEMA NFIP Residential Penetration Rates
- FBI — Crime Data Explorer
- U.S. Census Bureau — American Community Survey 2024 5-year
- CFPB/FFIEC — HMDA Data Browser
- EIA — Electric Power Monthly, Table 5.6.A
- DSIRE
- Federal Reserve Bank of New York — Household Debt and Credit
- U.S. Courts — Bankruptcy Statistics, Table F-2 (filings by state)
- U.S. Courts — Bankruptcy Statistics, Table F-5A (filings by county)
