Quarterly deep dive
Q3 2026 · Next: California in Q4 2026State of the State: Florida
Q3 2026 Deep Dive
Florida is writing more policies than ever but collecting less premium for them — the clearest evidence yet that the property market that drove five years of explosive growth is finally softening.
The headline numbers
Florida booked $12.2 billion in Reporting period unavailable — the comparable window came in 5.6% below H1 2025, while the national market grew 2.9%.
The more interesting number is transactions: the WSIA archive records filings +14.4% year over year for H1 2026. More policies for less money means average premium per policy is falling fast — a rate story, not a demand story. Capacity has returned to Florida property, and pricing is giving back some of the 2022–2023 hard-market gains.
First-half premium, 2015–2026
Florida surplus lines premium through June 30 of each year (WSIA midyear stamping office reports; the latest source year is highlighted). Like-for-like midyear totals.
Free access
Enter your email for the full report
Free access to carrier rankings, coverage breakdowns, and monthly state-by-state analysis.
You'll also receive monthly updates when new data publishes. Unsubscribe anytime.