Florida Home Insurance Non-Renewal Tracker 2026

Florida Insurers in Receivership

The table below lists every company the Florida Department of Financial Services (DFS), Division of Rehabilitation and Liquidation, shows as currently in receivership on its companies in receivership page (checked October 17, 2026). DFS lists all 12 under liquidation and none under rehabilitation; the list is not limited to property insurers and gives no receivership dates, so none are shown here. Companies that have completed the process move to DFS's Closed Companies page. An earlier version of this table also listed voluntary exits and non-renewal programs with policy-count estimates that had no published source; those rows were removed on October 20, 2026.

Table 1. Companies in Receivership — Florida Department of Financial Services, checked October 17, 2026 (company names as listed by DFS; receivership status: liquidation for all 12)

• American Capital Assurance Corp
• Avatar Property and Casualty Insurance Company
• FedNat Insurance Company
• Florida Specialty Insurance Company
• Guarantee Insurance Company
• Gulfstream Property and Casualty Insurance Company
• Physicians United Plan, Inc.
• Southern Fidelity Insurance Company
• St. Johns Insurance Company, Inc.
• United Property & Casualty Insurance Company
• Weston Property & Casualty Insurance Company
• Windhaven Insurance Company

Source: Florida Department of Financial Services, Companies in Receivership, retrieved October 17, 2026.

Citizens Insurance: Policy Count Trend (2020–2026)

Citizens Property Insurance Corporation has been the insurer of last resort for millions of Floridians priced out of or dropped by the private market. The policy count peaked at 1,407,805 on September 30, 2023. Since then, a mandatory depopulation program — requiring private carriers to make take-out offers meeting certain criteria — has cut the book by about 1.14 million policies, to 266,231 at the end of August 2026. Year-end and month-end counts from Citizens Property Insurance — Policies in Force (retrieved Sept. 17, 2026; the 2022–2025 year-end counts and the August 31, 2026 count were re-checked on October 20, 2026, when 2022 was corrected to 1,145,811 and August 2026 was still the latest month-end count published).

What the 2022–2023 Legislative Reforms Changed

Florida passed two major insurance reform packages in 2022 and 2023:

• SB 2-A (December 2022, Ch. 2022-271, Laws of Florida): Prohibited post-loss assignment of benefits (AOB) under residential and commercial property policies issued on or after the date the act set, cut the deadline to give an insurer notice of a property claim to 1 year after the date of loss (18 months for a supplemental claim; s. 627.70132, F.S.), and created the Florida Optional Reinsurance Assistance (FORA) program.
• HB 837 (March 2023, Ch. 2023-15, Laws of Florida): Cut the statute of limitations for negligence actions from 4 years to 2 years (s. 95.11, F.S.), barred a claimant found more than 50% at fault for their own harm from recovering damages (modified comparative negligence, s. 768.81), and repealed the one-way attorney-fee statutes for insurance suits (ss. 626.9373 and 627.428).

Florida OIR's July 1, 2026 Property Insurance Stability Report puts the pooled combined ratio of Florida's domestic property insurers at 83% in 2025 and reports that its preliminary 2026 reinsurance data call points to at least a 10% decrease in risk-adjusted reinsurance costs across most layers versus 2025.

How to Find Coverage in High-Risk Counties

For homeowners in high-premium coastal counties unable to find standard market coverage, the practical options in 2026 are:

1. Citizens Property Insurance — Available to any homeowner who cannot find private coverage within 20% of Citizens' rates. Apply through a licensed Florida insurance agent. Note: Citizens has a mandatory roof-age policy; homes with roofs over 25 years old require an inspection.
2. Surplus lines market — Non-admitted carriers operating outside standard market regulations. Often higher premiums, but available for properties that admitted carriers won't write. Surplus lines are not backed by the Florida Insurance Guaranty Association (FIGA), meaning if the insurer fails, policyholders are not protected.
3. Roof replacement — The single highest-impact action for restoring insurability in the standard market. Many carriers restrict coverage on older roofs, so a new roof can widen the number of carriers willing to quote.