California’s already struggling insurance market faces unprecedented strain from climate disasters, with skyrocketing costs being pushed onto insurers and policyholders — instead of the Big Oil companies fueling the crisis.
This report calculates the costs that State Farm policyholders across California will have to pay in order to remain insured under proposed rate hikes.
Find out how the rising cost of State Farm homeowners insurance could impact policyholders across California.
In the file below, you will find ranked Excel spreadsheets with projected costs related to State Farm’s 21.8% home insurance rate increase for each zip code, city, assembly district, senate district, and congressional district across California. All columns in the Excel spreadsheets can be sorted and filtered as needed.
Shortly after approval of a 17% rate increase that is set to take effect in June 2025, State Farm requested another 11% rate hike that is set to take effect in 2026 if approved.
As such, CCI updated the zip code level analysis of increased premium costs for State Farm policyholders across California in order to remain insured under those substantially higher rates.
Is it fair for skyrocketing insurance costs from climate disasters to fall on California policyholders while the Big Oil corporations fueling the crisis pay nothing?