Insurance Commissioners Announce Plans to Collect Data on Climate-driven Insurance Crisis
Plan to collect and release zip code level data from across the country would provide key view into how climate change is impacting homeowners
WASHINGTON — The National Association of Insurance Commissioners (NAIC) last week announced the organization will begin to collect homeowners insurance market data from across the country, potentially culminating in the publication of some of the most granular pictures of how climate change is impacting insurance markets across the country.
The announcement, made during the NAIC 2026 Spring National Meeting, came shortly after Public Citizen, joined by a coalition of 49 consumer protection, climate, and housing justice groups backed by nearly 20,000 activists, called on regulators to make critical insurance data public outside of the event.
The NAIC data call will collect ZIP code-level data on premiums, claims, cancellations, and more, according to the release from the association.
The coalition’s letter warned NAIC President Scott A. White that a lack of publicly available data has made it nearly impossible to fully understand the scale and inequity of the growing home insurance crisis.
“Granular and publicly available data matters now more than ever before,” said Rick Morris, senior insurance campaigner with Public Citizen’s Climate Program. “People are losing their homes and life savings due to the climate driven insurance crisis. Without publishing a robust data set, regulators risk masking the very inequities that advocates, researchers, and communities are trying to solve.”
While the NAIC data call will collect ZIP code-level data on premiums, claims, cancellations, and more, Public Citizen’s has called on the association to ensure real accountability by publicly releasing:
- ZIP code-level data, to see how particular communities are affected
- Premium changes over time, showing how costs have evolved year-by-year
- Claims and losses by specific peril (wildfire, flood, wind, hail), not just aggregated totals
- Non-renewals and cancellations, clearly distinguishing insurer-driven actions
- Deductibles and coverage limits, to reveal rising out-of-pocket exposure
- Replacement cost vs. actual cash value policies, which directly impact payouts
- Mitigation requirements and discounts, including who qualifies and who is excluded
- Market participation and insurer withdrawals, to identify emerging coverage gaps
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