Utah overtakes California and Florida as insurers pull back from homeowners fastest

California, by contrast, has been the more familiar face of insurer retrenchment for years, and its 2025 numbers show why the state remains a cautionary tale rather than a one-off event. Company-initiated nonrenewals in California came in at 2.93% of policies in force in 2025, about one in 34, placing the state second worst nationally. That is down slightly from 2024, when Weiss found California’s nonrenewal rate had climbed to 3.18%, but it is still 3.6 times higher than the state recorded back in 2018.