What’s new on Phidea
New opinion pieces, ranking updates, analyst audits, and industry news from the last 14 days. Rebuilt on every deploy.
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Opinion (1)
- 2026-06-23Home insurance by state: where the US market is broken, stressed, and still normal (2026)
Whether you can buy home insurance — and from whom — now depends heavily on which state you live in. A few states are in genuine crisis (the big national carriers won't write coastal or wildfire-exposed homes). Others are stressed but workable. Most are still normal. This page sorts the states into those three buckets and links each hard market to a full breakdown.
This page rebuilds on every deploy. For the longer view, the Opinion archive and the News archive have everything. For the methodology behind the rankings, see /methodology.