Home Insurance Non-Renewal Risk Checker

My home is in a designated wildfire, flood, or hurricane-prone zone I've filed 2 or more insurance claims in the last 5 years My roof is 20+ years old I live in a state with reported sharp non-renewal increases (CA, FL, LA, TX, or similar coastal/wildfire states)

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LowModerateHigh

Rough risk category Low

Not a quote. This uses only public aggregate statistics — NAIC's 2018-2024 regional non-renewal trend report and the Treasury Federal Insurance Office's high-risk ZIP code analysis — never insurer-specific data.

Free home insurance non-renewal risk checklist — not a quote generator. Answer a few risk-factor questions to see a rough risk category, based only on public NAIC and FIO/Treasury aggregate statistics, not insurer-specific data.

This tool is for informational purposes only and is not a substitute for professional financial or medical advice. Consult a qualified professional before making decisions. See our Disclaimer.

How it works

Check off risk factors: disaster-prone zone, recent claims, roof age
Get a Low / Moderate / High risk category based on how many factors apply
See the public NAIC or FIO/Treasury statistic behind that category — no insurer-specific data used

Frequently asked questions

Does this tell me if my specific insurer will drop me?

No. This tool doesn't use any insurer-specific data — it's a rough risk category based only on public aggregate statistics from NAIC (regional non-renewal trends) and the Treasury's Federal Insurance Office (high-risk ZIP code comparisons).

Is this an insurance quote?

No. This tool never generates a premium quote — it's a risk-factor checklist only.

Why do non-renewals happen even without a claim?

Insurers sometimes pull back from entire ZIP codes or states due to accumulated regional risk (wildfire, flood, hurricane exposure), regardless of an individual homeowner's claims or payment history.

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From the blog

finance-calc

Home insurance non-renewals jumped up to 216% in some regions -- is your ZIP code at risk?

NAIC and Treasury data show sharp regional increases in home insurance non-renewals since 2018. Here's what the public data actually says, without a single insurer name attached.

2026-09-28

Update history

2026-09-28 Launched: risk-factor checklist producing a Low/Moderate/High non-renewal risk category, citing NAIC regional trend data (2018-2024) and FIO/Treasury high-risk ZIP code stats separately. Entirely client-side, no insurer-specific data.