If you have watched your home insurance premium climb, received a non-renewal notice, or struggled to find coverage in the past few years, state insurance regulators want to understand exactly why -- and they are now requiring insurers to give them the data to do it. At the NAIC's 2026 Spring National Meeting in March, state regulators announced the most comprehensive homeowners insurance data collection ever undertaken in the United States, covering every major insurer and drilling down to the ZIP code level.
What the Data Call Requires
The NAIC's Homeowners Market Data Call applies to every insurer writing at least $50,000 in homeowners insurance premiums -- which captures virtually every significant carrier in the country. Those insurers are required to submit eight years of policy data covering 2018 through 2025. The data originally had a June 15, 2026 submission deadline, which has since been extended to July 15, 2026 to allow carriers additional time for quality assurance.
The data being collected is unusually granular. Insurers must report by ZIP code: policy type (home, renter, condo, and mobile home), premiums charged, claims and losses broken down by specific peril, deductibles applied, cancellations and non-renewals, coverage limits, whether policies use replacement cost or actual cash value, and any mitigation discounts applied. This level of detail has never been systematically collected at a national scale before.
Why Regulators Are Doing This Now
The timing reflects the severity of the home insurance crisis that has been building since 2020. In climate-exposed states -- California, Florida, Louisiana, Texas, Colorado -- insurers have been raising rates sharply, restricting coverage, canceling policies, and in some cases exiting markets entirely. State FAIR plans, designed as insurers of last resort for a small fraction of high-risk properties, have ballooned in size as private carriers retreated.
Florida Insurance Commissioner Mike Yaworsky, who chairs the NAIC's Homeowners Market Data Call Task Force, was direct about the purpose: regulators need this data to understand which neighborhoods are being non-renewed at elevated rates, whether cancellations are clustering in lower-income or minority communities, how deductibles and coverage limits have changed over time, and whether mitigation efforts are actually reducing premiums for homeowners who invest in them.
The fundamental problem regulators are trying to solve is an information gap. Insurers have detailed data on every policy they write. State regulators, by contrast, have been working with aggregated figures that obscure geographic patterns and make it difficult to identify discriminatory practices, coverage gaps, or markets where availability has effectively collapsed. The data call is designed to close that gap.
What the Data Will and Will Not Show
Following submission and validation, the NAIC plans to release a public report in early 2027. The public will have an opportunity to comment before the report is finalized. That report is expected to show, for the first time with national coverage, exactly which ZIP codes are experiencing the sharpest premium increases, the highest non-renewal rates, and the widest gaps between insured coverage limits and actual replacement costs.
Consumer advocacy groups, including Public Citizen and a coalition of housing and climate justice organizations, have pressed the NAIC to make the underlying ZIP-code-level data publicly available rather than publishing only aggregated summaries. The NAIC has not committed to full data transparency, and the final scope of the public report remains to be determined. Regulators have indicated they will balance transparency with competitive sensitivity concerns raised by insurers.
The AI dimension is also part of this initiative. The NAIC's Big Data and Artificial Intelligence Working Group is developing a parallel tool to help regulators examine how carriers use AI and algorithmic models in homeowners underwriting, pricing, and claims -- with formal adoption targeted for the fall 2026 national meeting. The homeowners data call and the AI evaluation tool together represent a broader push by regulators to gain visibility into both the data and the models that drive home insurance decisions.
What This Means for Homeowners
The immediate practical impact on homeowners is limited -- this is a regulatory data collection process, not a consumer-facing program. But the downstream implications over the next one to two years could be significant.
If the data confirms that certain ZIP codes are being systematically non-renewed at rates that cannot be explained by actuarial risk alone, regulators will have the evidentiary basis to challenge those practices. If the data shows that mitigation discounts are not being consistently applied to homeowners who have invested in hardening measures -- new roofs, hurricane shutters, wildfire defensible space -- that creates a basis for requiring more uniform application. And if the data reveals that coverage limits have drifted far below actual replacement costs across a large share of policies, regulators may move toward requirements for more frequent replacement cost re-estimation at renewal.
For homeowners in high-risk states, the most important near-term action remains independent of the data call: verify that your dwelling coverage reflects current construction costs, confirm you are receiving any mitigation discounts you are entitled to, and get competing quotes before accepting any renewal that includes a significant premium increase. Use our Home Insurance Calculator to check whether your current coverage level aligns with your home's actual replacement cost.
Timeline and Next Steps
The revised data submission deadline is July 15, 2026. After submission, the NAIC will validate and analyze the data -- a process expected to take several months. The public report is targeted for early 2027, at which point regulators, consumer advocates, and the public will be able to see the most detailed national picture of the homeowners insurance market ever assembled. Watch for announcements on NAIC.org about public comment opportunities once the report is available.