Dive Into Civic Data

Moody’s Ratings says insured losses may grow in 2025, fueled by hurricanes and inflation driving up the cost of repairs, labor, and materials. With forecasts predicting above-average storm activity, the 2025 season poses increased financial exposure for insurers and...

Homeowners across northeastern North Carolina will see insurance rate hikes starting this month after a settlement was reached between insurers and state regulators.  The increases include: Territory 110 (Carova to Ocracoke) rising 5.1% this month and 4.8% in...

As Louisiana enters the 2025 hurricane season, lawmakers are weighing a bill that would let insurers offer discounted “arbitration-only” policies, preventing policyholders from suing in disputes. While supporters say it gives consumers more choices, insurance agents...

Homeowners affected by the Jan. 7 wildfires in Los Angeles County are suing USAA and two AAA-related insurers, alleging they were systematically underinsured and left without enough money to rebuild their houses. Anchoring their claims in fraud, negligence, breach of...

A new report from the Neptune Research Group reveals that only 7% of Texas homes have flood insurance, despite millions facing increased flood risk over the next 30 years. In some major inland metros, coverage drops below 1%, while just 28% of residential buildings in...

Colorado is poised to enact the nation's first law requiring insurers to factor wildfire risk mitigation into pricing and coverage decisions. The bill also mandates that insurers disclose wildfire risk scores and explain how they’re calculated, giving homeowners a...

New York lawmakers are considering significant changes to state insurance regulations through Assembly Bill 8536, which outlines new claims handling timelines, adjuster oversight, and stricter documentation processes. Key provisions include expanding the “period of...