Homeowners insurance rate filings by state

Published Oct. 6, 2026. Updated Oct. 15, 2026

Each state regulates homeowners insurance rates under its own law. Some require the regulator's approval before an insurer can use a new rate (prior approval). Others let insurers use rates once they are filed and review them afterward (file and use). This page summarizes how each state FiledRates tracks reviews rates and where its filings are published, with links to the official sources.

States tracked by FiledRates
State	Regulator	Review system
Florida	Office of Insurance Regulation	File and use or use and file; Citizens rates set by order
Texas	Department of Insurance	File and use; FAIR Plan rates need approval
California	Department of Insurance	Prior approval
New York	Department of Financial Services	File and use
Oklahoma	Insurance Department	Use and file

Florida

Regulator: Florida Office of Insurance Regulation (OIR).

How Florida reviews homeowners rates

Florida insurers file rates under one of two procedures in section 627.062 of the Florida Statutes. A file-and-use filing is made at least 90 days before the proposed effective date, and the rate is deemed approved if OIR does not issue a notice of intent to approve or disapprove within 90 days. A use-and-file filing must be made within 30 days after the new rates take effect, and the insurer can be ordered to return premium later found excessive.

Rates for Citizens Property Insurance Corporation, the state-created insurer, work differently: Citizens files recommended rates, and OIR establishes its rates by final order.

Public hearings

OIR's market overview page says it holds public rate hearings for rate increases above 15%. Its rule on significant rate increases, Rule 69O-166.051, calls for a public hearing on any filing with an increase of 25% or more and at least $2 million in total, or an increase of 50% or more. OIR held a public hearing on Citizens' 2024 rate filing on Aug. 1, 2024, and accepts written comments at ratehearings@floir.com.

Where to look up Florida filings

OIR's IRFS Forms & Rates Filing Search lets anyone search filings by company name, file log number, or product name. Filing documents are sent by email on request. OIR posts final orders, including Citizens rate orders, on its orders and memoranda page.

Florida filings on FiledRates

Sources: Fla. Stat. 627.062; OIR market overview; Rule 69O-166.051; OIR Citizens rate hearing page. Accessed Oct. 6, 2026.

Texas

Regulator: Texas Department of Insurance (TDI).

How Texas reviews homeowners rates

Most Texas homeowners insurers file rates under a file-and-use system in Chapter 2251 of the Texas Insurance Code: an insurer may use a rate on and after the date it files it. The commissioner must disapprove a filed rate that does not comply with the law by the earlier of its effective date or the 30th day after filing, and can extend that review once. A rate already in effect can be disapproved only after a hearing.

The Texas FAIR Plan Association, which provides residential property insurance in underserved areas, is excluded from that chapter. It files proposed rates that the commissioner must approve or disapprove under Insurance Code Section 2211.056.

TDI reported that of 2,078 property and casualty rate filings it reviewed in 2025, 126 were withdrawn, 81 were rejected for technical reasons, none were disapproved, and 1,871 were allowed to stand or approved.

Hearings

An insurer can request a hearing on a disapproval. A policyholder aggrieved by a filing that is in effect, or the Office of Public Insurance Counsel, can apply in writing to the commissioner for a hearing on it.

Where to look up Texas filings

TDI's home and auto insurance rate filings search shows each filing's received date, overall percent change, SERFF ID, effective dates, and status. The same data is published as a daily-updated open dataset. Full filing documents are on SERFF Filing Access, linked from TDI's SERFF page.

Texas filings on FiledRates

All Texas filings, with 2026 statewide figures from TDI's data, are on the Texas homeowners rate filings page.

Sources: Texas Insurance Code Chapter 2251; TDI Order No. 2026-9939; TDI property and casualty rate review report. Accessed Oct. 6, 2026.

California

Regulator: California Department of Insurance (CDI).

How California reviews homeowners rates

California uses prior approval. Under Proposition 103, the Insurance Commissioner must approve a homeowners rate before an insurer uses it. After a filing is publicly noticed, the department has 60 days to approve it or issue a notice of hearing; if it does neither, the filing is deemed approved.

Public hearings and intervenors

Any member of the public can request a hearing within 45 days after a filing is publicly noticed. If a personal lines rate change exceeds 7%, the Commissioner may be required to hold a hearing on a timely consumer request. Intervenors who take part in rate proceedings can recover their costs from insurers.

Where to look up California filings

CDI posts public notices of rate filings every Friday and a year-to-date list of closed and approved filings with requested and approved changes. Full filings are on SERFF Filing Access, linked from CDI's rate filing viewing room.

California filings on FiledRates

All California filings, with CDI's 2025 and 2026 statewide figures, are on the California homeowners rate filings page.

Sources: CDI intervenor program; CDI rate filing review process; CDI Bulletin 2024-14. Accessed Oct. 6, 2026.

New York

Regulator: New York State Department of Financial Services (DFS).

How New York reviews homeowners rates

DFS told a state Senate hearing in November 2025 that residential property insurance rates are not subject to its prior approval but to a file-and-use standard, and that insurers typically wait for DFS approval before putting new rates into effect.

Where to look up New York filings

DFS makes certain property and casualty rate filings available on SERFF Filing Access, linked from its property insurers page. Filings that are not posted there can be requested from DFS under the state's Freedom of Information Law. DFS does not publish a separate list of homeowners rate decisions, so FiledRates reports New York filings only when their figures can be confirmed in a filing or regulator document.

Sources: DFS testimony, Nov. 18, 2025 (page 5); DFS property insurers page. Accessed Oct. 6, 2026.

Oklahoma

Regulator: Oklahoma Insurance Department (OID).

How Oklahoma reviews homeowners rates

Oklahoma is a use-and-file state. Insurers can start using new rates before filing them and must file rates and supporting information no later than 30 days after the effective date. OID says that because Oklahoma's homeowners market is considered competitive, no rate may be deemed excessive, and OID cannot disapprove a rate for being too high. It can disapprove rates that are unfairly discriminatory or inadequate.

A change coming in 2027

House Bill 3781, approved by the Governor on May 12, 2026, takes effect July 1, 2027. It requires rates to be filed 30 days before they take effect, and requires OID to post on its website notice of homeowners, dwelling fire, and private passenger auto rate increases with their overall percentages.

Oklahoma filings on FiledRates

All Oklahoma filings, with figures from the department's 2025 and 2026 reports, are on the Oklahoma homeowners rate filings page.

Where to look up Oklahoma filings

OID publishes monthly summaries of property and casualty rate changes. The homeowners reports list each filing's company, SERFF tracking number, effective dates for new and renewal policies, and overall rate impact. OID notes that rate filings are reviewed under Oklahoma law and do not constitute rate-setting by the department.

Sources: OID, Insurer rates in Oklahoma; OID rate changes page; HB 3781 history and enrolled text. Accessed Oct. 6, 2026.