About PlainInsure

PlainInsure makes U.S. homeowners insurance cost data accessible to everyone. We track premiums, loss ratios, claim frequencies, nonrenewal rates, and trends across 25,000+ ZIP codes and all 50 states plus D.C. (2018-2022).

Our Data

All data comes directly from the U.S. Department of the Treasury, Federal Insurance Office (FIO), published in their report series "Analyses of U.S. Homeowners Insurance Markets." The dataset covers:

  • 25,593 ZIP codes with annual premium averages, loss ratios, claim frequency and severity, nonrenewal rates, and cancellation rates.
  • 5 years of data (2018-2022) enabling trend analysis and year-over-year comparison.
  • 330+ insurers and 246 million policies covered during the period.
  • 51 state-level summaries with aggregate statistics and rankings.

Methodology

The FIO collects data directly from insurers under the authority of the Dodd-Frank Wall Street Reform and Consumer Protection Act. The data represents actual reported premiums and claims, not estimates or projections. ZIP-level averages are weighted by policy count.

Premium change percentages compare 2022 values to 2018 values. Loss ratios represent the proportion of premiums paid out as claims. Higher loss ratios may indicate areas with greater climate-related risk exposure.

Data Currency

PlainInsure currently displays data from the FIO Homeowners Insurance report covering 2018-2022. This represents the most recent five-year dataset published by the Federal Insurance Office. The FIO publishes updated analyses periodically as part of its ongoing monitoring of homeowners insurance markets mandated under the Dodd-Frank Act.

Like all federal data programs, there is inherent lag between the reference period and publication. Insurance market conditions — particularly in states experiencing climate-driven losses — may have changed significantly since the 2022 reference period. We update PlainInsure within 30 days of each new FIO data release. Always obtain current quotes from licensed insurers for actual pricing decisions.

Our Mission

PlainInsure exists because homeowners deserve transparent access to insurance cost data without relying solely on insurance company marketing or comparison sites that earn commissions. The homeowners insurance market is increasingly stressed by climate events — rising premiums, nonrenewal waves, and insurer withdrawals from high-risk areas affect millions of families who have limited visibility into the broader market dynamics.

We believe that government-collected insurance data — reported by insurers to the Treasury under regulatory authority — provides a more objective view of market conditions than any commercial source. PlainInsure makes this data searchable at the ZIP code level, giving homeowners the ability to see how their area compares on premiums, claims, and nonrenewal rates.

Not Affiliated

PlainInsure is not affiliated with the U.S. Department of the Treasury, the Federal Insurance Office, or any insurance company. We are an independent data portal presenting public information in a more accessible format.

How We Process the Data

We download the raw FIO report datasets and transform them into a searchable, ZIP-code-level database. Each record retains the original premium averages, loss ratios, claim frequencies, and nonrenewal rates exactly as reported by insurers to the Treasury. No values are modified or imputed — where a ZIP code has no data for a given year, it is shown as unavailable rather than estimated.

State-level aggregates are computed from the underlying ZIP-level records. Trend calculations compare actual reported values across the 2018-2022 reporting window, giving homeowners a clear picture of how costs have shifted in their area.

Important Disclaimer

This site is for informational purposes only. Data may not reflect current insurance market conditions. Premiums shown are ZIP-level averages and your actual premium will differ based on property characteristics, coverage levels, claims history, and insurer. Do not rely solely on this data for insurance purchase decisions. Always obtain quotes from licensed insurers.

Editorial Independence

Content on PlainInsure is compiled by our editorial team. Raw data from IRS, SEC, FDIC, NCUA, and related financial agencies is transformed into readable profiles by our continuous editorial pipeline, validated against the source before publication. The PlainInsure editorial team, operating under Kiznis Studio, is responsible for editorial standards, methodology, and corrections.

We do not accept payment, sponsorship, or promoted placement from financial firms, banks, advisors, or any covered entity. Our only revenue source is contextual display advertising served by Google AdSense — advertisers do not influence which entities we cover or how we present data, and they do not receive preferential placement.

Contact

For questions or feedback, email hello@plaininsure.com.