Frequently Asked Questions

PlainInsure covers 25,593 ZIP codes across all 50 states and D.C., with 5 years of data (2018–2022) from the U.S. Treasury Federal Insurance Office dataset.

A loss ratio is claims paid divided by premiums collected, expressed as a percentage. A loss ratio of 75% means the insurer paid out $75 in claims for every $100 in premiums. A loss ratio above 100% means the insurer paid out more in claims than it collected in premiums in that area — a sign of elevated climate or other risk exposure.

A nonrenewal rate is the percentage of policies that were not renewed at expiration — typically because the insurer chose not to offer renewal. High nonrenewal rates often signal that insurers are withdrawing from a market due to elevated risk (e.g., wildfire zones, hurricane-prone coastlines, areas with frequent flooding). This is an early warning sign of insurance market stress.

The FIO dataset reports premium averages at the ZIP code level, not for individual properties. Your actual premium depends on your property's characteristics (age, construction type, replacement cost, roof condition), your specific coverage choices (deductible, endorsements), your claims history, and your insurer's proprietary pricing model.

The FIO published its report series covering 2018–2022 as part of their statutory mandate to monitor insurance market accessibility. They have not yet published data beyond 2022. Significant market changes have occurred since 2022, especially in high-risk states like Florida and California. Always check current market conditions with licensed insurers.

No. PlainInsure shows historical market-wide averages from a federal regulatory dataset — not current insurer quotes. For current rates, contact licensed insurance agents or use comparison sites. Historical averages help you understand your area's risk profile, but actual available rates will differ.

No. PlainInsure is not affiliated with the U.S. Department of the Treasury, the Federal Insurance Office, or any government agency. We are an independent data portal presenting publicly available government data in a more accessible format.