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Incurred Losses By State, Homeowners Insurance, 2019 (1)
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($000)

State Incurred losses State Incurred losses
Alabama $911,785 Montana $138,443
Alaska 78,263 Nebraska 831,422
Arizona 758,282 Nevada 310,490
Arkansas 450,791 New Hampshire 167,682
California 15,537,312 New Jersey 1,027,437
Colorado 1,847,521 New Mexico 399,164
Connecticut 530,780 New York 2,255,396
Delaware 101,998 North Carolina 1,239,572
D.C. 74,814 North Dakota 66,665
Florida 8,338,668 Ohio 1,382,572
Georgia 2,281,253 Oklahoma 733,822
Hawaii 124,226 Oregon 556,768
Idaho 256,968 Pennsylvania 1,450,507
Illinois 2,872,152 Rhode Island 156,012
Indiana 1,084,975 South Carolina 721,977
Iowa 656,054 South Dakota 186,924
Kansas 639,267 Tennessee 1,057,190
Kentucky 600,526 Texas 6,923,450
Louisiana 616,808 Utah 285,032
Maine 197,973 Vermont 91,470
Maryland 903,136 Virginia 1,294,734
Massachusetts 738,068 Washington 936,217
Michigan 1,477,520 West Virginia 191,015
Minnesota 1,855,159 Wisconsin 821,867
Mississippi 453,816 Wyoming 134,152
Missouri 1,323,972 United States $68,072,066

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.  

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

 

Archived Tables

INCURRED LOSSES BY STATE, HOMEOWNERS INSURANCE, 2008 (1)
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($000)

State Incurred losses
Alabama $749,366.5
Alaska 62,199.4
Arizona  560,414.1
Arkansas 842,132.0
California  3,493,883.0
Colorado  704,585.8
Connecticut 394,204.4
Delaware 72,481.2
D.C. 48,177.7
Florida 2,157,748.3
Georgia 2,096,827.3
Hawaii 44,949.5
Idaho 157,425.5
Illinois 1,895,627.2
Indiana 1,253,204.9
Iowa 451,143.6
Kansas 617,822.9
Kentucky 826,860.0
Louisiana 1,994,287.2
Maine 190,923.1
Maryland 599,152.9
Massachusetts 612,035.2
Michigan 1,530,097.0
Minnesota 1,959,807.5
Mississippi 496,489.2
Missouri 1,040,799.6
Montana 108,436.8
Nebraska 523,163.1
Nevada 209,062.8
New Hampshire 237,963.7
New Jersey 870,690.4
New Mexico 197,704.8
New York 1,603,434.4
North Carolina 901,533.7
North Dakota 84,218.1
Ohio 1,956,342.7
Oklahoma 1,186,492.8
Oregon 334,916.2
Pennsylvania 1,158,803.9
Rhode Island 100,377.0
South Carolina 539,438.8
South Dakota 96,850.7
Tennessee 974,198.9
Texas 6,631,234.1
Utah 194,048.1
Vermont 77,053.3
Virginia  740,255.4
Washington 656,559.5
West Virginia 172,057.5
Wisconsin 718,941.5
Wyoming 87,534.8
United States $45,509,490.1

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.         

Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.

 
INCURRED LOSSES BY STATE, HOMEOWNERS INSURANCE, 2009 (1)
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($000)

State Incurred losses
Alabama $1,186,716
Alaska 68,892
Arizona 550,776
Arkansas 648,221
California  2,218,837
Colorado  1,665,215
Connecticut 426,348
D.C. 58,157
Delaware 81,707
Florida 2,695,442
Georgia 2,814,124
Hawaii 56,463
Idaho 134,298
Illinois 1,713,755
Indiana 957,205
Iowa 319,769
Kansas 519,319
Kentucky 937,956
Louisiana 173,036
Maine 155,260
Maryland 598,728
Massachusetts 656,655
Michigan 1,458,632
Minnesota 704,341
Mississippi 342,437
Missouri 816,165
Montana 127,371
Nebraska 244,760
Nevada 174,456
New Hampshire 157,288
New Jersey 954,876
New Mexico 165,883
New York 1,695,691
North Carolina 1,001,454
North Dakota 57,013
Ohio 1,619,340
Oklahoma 1,198,492
Oregon 349,032
Pennsylvania 1,360,771
Rhode Island 102,959
South Carolina 547,927
South Dakota 103,426
Tennessee 1,109,993
Texas 3,642,231
Utah 183,730
Vermont 70,803
Virginia  730,301
Washington 738,924
West Virginia 218,360
Wisconsin 509,278
Wyoming 73,696
United States $39,022,812

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.         

Source: SNL Financial LC.

 
INCURRED LOSSES BY STATE, HOMEOWNERS INSURANCE, 2010 (1)
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($000)

State Incurred losses
Alabama $843,472
Alaska 55,609
Arizona 1,665,509
Arkansas 423,033
California 2,872,601
Colorado 1,368,839
Connecticut 539,822
D.C. 70,664
Delaware 95,188
Florida 2,772,866
Georgia 1,422,591
Hawaii 58,170
Idaho 130,170
Illinois 2,191,508
Indiana 738,417
Iowa 459,814
Kansas 469,954
Kentucky 409,490
Louisiana 352,873
Maine 142,267
Maryland 983,621
Massachusetts 732,187
Michigan 1,463,260
Minnesota 1,086,530
Mississippi 460,401
Missouri 835,582
Montana 311,074
Nebraska 343,763
Nevada 206,419
New Hampshire 179,453
New Jersey 1,289,897
New Mexico 248,810
New York 2,073,961
North Carolina 1,108,935
North Dakota 63,054
Ohio 1,678,465
Oklahoma 1,648,506
Oregon 273,575
Pennsylvania 1,994,942
Rhode Island 128,099
South Caroline 715,051
South Dakota 99,920
Tennessee 1,088,212
Texas 2,814,730
Utah 188,623
Vermont 74,707
Virginia 897,157
Washington 656,360
West Virginia 237,244
Wisconsin 816,104
Wyoming 118,090
United States $41,899,587

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.         

Source: SNL Financial LC.

 
INCURRED LOSSES BY STATE, HOMEOWNERS INSURANCE, 2011 (1)
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($000)

State Incurred losses
Alabama $2,463,116
Alaska 74,911
Arizona 1,179,810
Arkansas 766,690
California 2,892,464
Colorado 1,011,509
Connecticut 1,308,441
D.C. 54,146
Delaware 98,613
Florida 2,741,309
Georgia 1,769,639
Hawaii 54,900
Idaho 121,469
Illinois 2,387,028
Indiana 1,188,028
Iowa 670,231
Kansas 1,129,995
Kentucky 570,618
Louisiana 662,790
Maine 155,413
Maryland 1,137,272
Massachusetts 1,409,876
Michigan 1,384,633
Minnesota 1,146,786
Mississippi 530,100
Missouri 1,893,999
Montana 142,978
Nebraska 369,340
Nevada 230,570
New Hampshire 171,905
New Jersey 1,840,682
New Mexico 268,348
New York 2,560,932
North Carolina 2,283,024
North Dakota 75,004
Ohio 2,192,537
Oklahoma 862,981
Oregon 260,870
Pennsylvania 2,248,938
Rhode Island 187,527
South Carolina 1,014,505
South Dakota 164,553
Tennessee 3,049,589
Texas 4,226,198
Utah 311,884
Vermont 100,662
Virgina 1,224,917
Washington 605,222
West Virginia 207,219
Wisconsin 893,384
Wyoming 141,117
United States $54,438,675

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.         

Source: SNL Financial LC.

 
INCURRED LOSSES BY STATE, HOMEOWNERS INSURANCE, 2012 (1)
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($000)

State Incurred losses
Alabama $777,227
Alaska 90,821
Arizona 597,391
Arkansas 370,596
California 3,083,293
Colorado 1,748,061
Connecticut 709,831
D.C. 64,377
Delaware 101,511
Florida 2,357,730
Georgia 1,105,611
Hawaii 71,994
Idaho 161,903
Illinois 1,906,647
Indiana 1,422,852
Iowa 248,590
Kansas 484,261
Kentucky 1,202,561
Louisiana 722,618
Maine 118,490
Maryland 892,287
Massachusetts 612,814
Michigan 1,263,662
Minnesota 852,529
Mississippi 364,173
Missouri 1,250,773
Montana 121,596
Nebraska 290,594
Nevada 228,993
New Hampshire 138,462
New Jersey 2,724,824
New Mexico 259,891
New York 3,716,852
North Carolina 1,031,657
North Dakota 33,075
Ohio 1,872,415
Oklahoma 1,102,972
Oregon 299,113
Pennsylvania 1,710,433
Rhode Island 114,218
South Carolina 595,506
South Dakota 110,377
Tennessee 1,465,511
Texas 3,338,933
Utah 206,530
Vermont 72,388
Virginia 992,601
Washington 685,154
West Virginia 304,581
Wisconsin 471,813
Wyoming 60,113
United States $44,531,202

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.         

Source: SNL Financial LC.

 
INCURRED LOSSES BY STATE, HOMEOWNERS INSURANCE, 2013 (1)
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($000)

State Incurred losses
Alabama $699,026
Alaska 64,268
Arizona 684,700
Arkansas 312,888
California 3,160,657
Colorado 1,224,168
Connecticut 423,211
D.C. 44,298
Delaware 80,931
Florida 2,033,188
Georgia 1,638,180
Hawaii 93,937
Idaho 147,574
Illinois 2,180,699
Indiana 988,939
Iowa 307,396
Kansas 517,870
Kentucky 375,928
Louisiana 621,918
Maine 156,679
Maryland 589,338
Massachusetts 666,345
Michigan 1,322,035
Minnesota 1,090,155
Mississippi 687,831
Missouri 724,190
Montana 164,612
Nebraska 701,769
Nevada 226,903
New Hampshire 142,369
New Jersey 677,155
New Mexico 221,981
New York 1,696,554
North Carolina 935,592
North Dakota 81,889
Ohio 1,249,521
Oklahoma 1,765,053
Oregon 304,654
Pennsylvania 1,126,166
Rhode Island 124,787
South Carolina 457,530
South Dakota 185,131
Tennessee 799,806
Texas 3,063,381
Utah 207,149
Vermont 78,785
Virginia 664,508
Washington 641,176
West Virginia 179,802
Wisconsin 579,048
Wyoming 101,288
United States $37,212,958

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.         

Source: SNL Financial LC.

 
INCURRED LOSSES BY STATE, HOMEOWNERS INSURANCE, 2014 (1)
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($000)

State Incurred losses
Alaska $57,642
Alabama 755,341
Arizona 683,840
Arkansas 478,205
California 3,396,417
Colorado 1,823,339
Connecticut 522,447
Delaware 133,077
D.C. 55,837
Florida 2,179,774
Georgia 1,605,767
Hawaii 93,523
Idaho 191,678
Illinois 2,383,793
Indiana 921,475
Iowa 540,856
Kansas 409,634
Kentucky 484,820
Louisiana 551,933
Maine 175,034
Maryland 882,941
Massachusetts 709,584
Michigan 1,984,282
Minnesota 780,936
Mississippi 505,454
Missouri 1,026,139
Montana 372,786
Nebraska 751,906
Nevada 208,515
New Hampshire 164,446
New Jersey 1,157,821
New Mexico 206,738
New York 2,163,059
North Carolina 1,023,219
North Dakota 58,704
Ohio 1,259,252
Oklahoma 368,407
Oregon 352,603
Pennsylvania 2,030,249
Rhode Island 125,408
South Carolina 771,663
South Dakota 224,475
Tennessee 900,619
Texas 3,483,489
Utah 190,957
Vermont 122,970
Virginia 752,140
Washington 841,559
West Virginia 232,643
Wisconsin 685,792
Wyoming 105,608
United States $41,888,793

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.         

Source: SNL Financial LC.

 
Incurred Losses By State, Homeowners Insurance, 2015 (1)
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($000)

State Incurred losses
Alabama $695,522
Alaska 68,533
Arizona 706,165
Arkansas 477,411
California 4,256,929
Colorado 1,216,908
Connecticut 712,339
Delaware 105,045
D.C. 73,947
Florida 2,561,932
Georgia 1,544,701
Hawaii 116,398
Idaho 186,335
Illinois 2,033,522
Indiana 810,386
Iowa 247,267
Kansas 421,966
Kentucky 547,226
Louisiana 521,775
Maine 174,385
Maryland 867,844
Massachusetts 2,287,622
Michigan 1,380,401
Minnesota 946,558
Mississipi 344,033
Missouri 1,040,003
Montana 184,326
Nebraska 239,185
Nevada 243,529
New Hampshire 233,563
New Jersey 1,250,623
New Mexico 312,230
New York 2,472,192
North Carolina 1,016,431
North Dakota 66,051
Ohio 1,168,420
Oklahoma 932,634
Oregon 378,010
Pennsylvania 1,639,896
Rhode Island 332,111
South Carolina 601,532
South Dakota 177,116
Tennessee 814,940
Texas 4,161,924
Utah 207,436
Vermont 84,010
Virginia 906,159
Washington 976,648
West Virginia 199,798
Wisconsin 559,545
Wyoming 84,436
United States $43,587,896

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.  

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

 
Incurred Losses By State, Homeowners Insurance, 2016 (1)
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($000)

State Incurred losses State Incurred losses
Alabama $670,506 Montana $326,915
Alaska 64,597 Nebraska 698,557
Arizona 757,869 Nevada 314,146
Arkansas 550,629 New Hampshire 153,368
California 4,158,620 New Jersey 1,078,146
Colorado 1,745,328 New Mexico 337,652
Connecticut 536,638 New York 2,170,228
Delaware 118,821 North Carolina 1,379,438
D.C. 61,472 North Dakota 203,795
Florida 3,456,451 Ohio 1,106,456
Georgia 1,773,172 Oklahoma 638,506
Hawaii 98,432 Oregon 361,213
Idaho 170,078 Pennsylvania 1,308,092
Illinois 1,958,191 Rhode Island 171,045
Indiana 1,003,810 South Carolina 891,835
Iowa 291,074 South Dakota 93,309
Kansas 537,799 Tennessee 1,153,112
Kentucky 549,229 Texas 7,247,618
Louisiana 711,090 Utah 306,502
Maine 131,123 Vermont 75,753
Maryland 836,597 Virginia 1,269,321
Massachusetts 808,147 Washington 813,868
Michigan 1,163,733 West Virginia 244,752
Minnesota 897,178 Wisconsin 585,360
Mississippi 414,262 Wyoming 132,496
Missouri 1,060,782 United States $47,587,134

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

 
Incurred Losses By State, Homeowners Insurance, 2017 (1)
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($000)

State Incurred losses State Incurred losses
Alabama $911,785 Montana $138,443
Alaska 78,263 Nebraska 831,422
Arizona 758,282 Nevada 310,490
Arkansas 450,791 New Hampshire 167,682
California 15,537,312 New Jersey 1,027,437
Colorado 1,847,521 New Mexico 399,164
Connecticut 530,780 New York 2,255,396
Delaware 101,998 North Carolina 1,239,572
D.C. 74,814 North Dakota 66,665
Florida 8,338,668 Ohio 1,382,572
Georgia 2,281,253 Oklahoma 733,822
Hawaii 124,226 Oregon 556,768
Idaho 256,968 Pennsylvania 1,450,507
Illinois 2,872,152 Rhode Island 156,012
Indiana 1,084,975 South Carolina 721,977
Iowa 656,054 South Dakota 186,924
Kansas 639,267 Tennessee 1,057,190
Kentucky 600,526 Texas 6,923,450
Louisiana 616,808 Utah 285,032
Maine 197,973 Vermont 91,470
Maryland 903,136 Virginia 1,294,734
Massachusetts 738,068 Washington 936,217
Michigan 1,477,520 West Virginia 191,015
Minnesota 1,855,159 Wisconsin 821,867
Mississippi 453,816 Wyoming 134,152
Missouri 1,323,972 United States $44,712,084

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

 
Incurred Losses By State, Homeowners Insurance, 2018 (1)
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($000)

State Incurred losses State Incurred losses
Alabama $1,090,658 Montana $173,787
Alaska 100,859 Nebraska 384,676
Arizona 1,028,336 Nevada 315,521
Arkansas 612,384 New Hampshire 188,457
California 14,176,373 New Jersey 1,473,504
Colorado 3,024,658 New Mexico 341,004
Connecticut 1,014,471 New York 2,991,783
Delaware 147,222 North Carolina 2,460,298
D.C. 117,061 North Dakota 92,265
Florida 9,717,195 Ohio 1,337,015
Georgia 2,404,014 Oklahoma 591,910
Hawaii 183,789 Oregon 386,985
Idaho 362,711 Pennsylvania 1,993,042
Illinois 2,419,038 Rhode Island 225,788
Indiana 923,085 South Carolina 723,100
Iowa 533,054 South Dakota 185,929
Kansas 486,110 Tennessee 955,255
Kentucky 590,670 Texas 4,069,510
Louisiana 657,619 Utah 326,968
Maine 161,897 Vermont 85,252
Maryland 1,630,930 Virginia 1,747,816
Massachusetts 1,070,236 Washington 943,232
Michigan 1,418,857 West Virginia 286,739
Minnesota 1,248,328 Wisconsin 753,849
Mississippi 401,859 Wyoming 260,302
Missouri 923,061 United States $69,738,457

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.