And California. There’s a few reasons why a company as big as State Farm (the largest home insurer in the state) stopped writing new home policies there, largely the natural disaster risk.

https://calmatters.org/housing/2023/05/state-farm-california-insurance/

Skyrocketing insurance is already on the way. Places that don’t outright lose access to insurers will continue to see massive increases over the next decade. US Insurers will all be following suit soon. Property insurance got killed last year and is already getting hit hard this year.

https://www.insurancejournal.com/news/national/2023/07/20/731434.htm