由于天气相关的损失,通货膨胀和灾难易发的州的再保险成本, 美国政府赞助的FAIR计划的保险额自2018年以来几乎翻了一番. State-sponsored FAIR Plans' policy counts nearly double since 2018 due to weather-related losses, inflation, and reinsurance costs in disaster-prone states.

AM 最佳报告显示,自2018年以来,国家赞助的剩余财产市场,特别是FAIR计划,在政策数量方面几乎翻了一番,在2020年之后明显翻了一番。 AM Best reports that state-sponsored residual property markets, particularly FAIR Plans, have nearly doubled in policy counts since 2018, significantly after 2020. 这一上升归因于与天气有关的损失、通货膨胀和再保险费用,特别是在格鲁吉亚、路易斯安那州和佛罗里达州等易受灾国家。 This rise is attributed to weather-related losses, inflation, and reinsurance costs, notably in disaster-prone states like Georgia, Louisiana, and Florida. 随着私人保险人从高风险地区撤出,投保人越来越依赖这些州方案,加利福尼亚州也面临洪水保险危机,因为自然灾害风险不断上升。 As private insurers withdraw from high-risk areas, policyholders are increasingly reliant on these state programs, with California also facing a flood insurance crisis due to escalating natural disaster risks.