Since 1998, the insurance industry has come together for the Insurance Industry Charitable Foundation (IICF) volunteer initiative. This is an international (US, UK and Canada) and industry-wide initiative, insurance professionals complete volunteer projects in support of community nonprofit organizations in-person and virtually taking place throughout the month of October.

Floods, fires, severe convective storms, and debilitating winter freezes are making Texas a risk microcosm of the United States.

Tropical Storm Barry was only the latest to cause devastating flooding far inland, where flood insurance take-up rates tend to be low. In Kerr County, where much of the horrific Central Texas flooding of July 4, 2025, took place, flood insurance take-up rates through the National Flood Insurance Program were 2.5 percent.

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(As of February 13, 2025)

Reforms put in place in 2024 are a positive move toward repairing Louisiana’s insurance market, which has long suffered from excessive claims litigation and attorney involvement that drive up costs and, ultimately, premium rates. But more work is needed.

(As of December 19, 2024)

The commercial auto insurance line has struggled to achieve underwriting profitability for years, even before the inflationary conditions that have been affecting property/casualty lines more recently. This trend has been accompanied by steady growth in net written premiums.

Since 1998, the insurance industry has come together for the Insurance Industry Charitable Foundation (IICF) volunteer initiative. This is an international (US and UK) and industry-wide initiative, insurance professionals complete volunteer projects in support of community nonprofit organizations in-person and virtually.

(As of September 20, 2024)

More frequent losses from disasters, soaring construction costs, inflation, and other mounting pressures are driving homeowners insurance rates steadily higher. Despite these pressures, the homeowners insurance market is beginning to show early signs of stabilization.

(December 15, 2025)