Wildfire & Homeowners’ Insurance Non-Renewals in Arizona

Wildfire activity across Arizona is increasingly influencing homeowners’ insurance availability and affordability. This publication analyzes newly released data from the U.S. Senate Budget Committee and the U.S. Department of the Treasury’s Federal Insurance Office (FIO) to explore patterns in homeowners’ insurance non-renewals from 2018–2023. Although Arizona’s statewide non-renewal rate remains relatively low compared to states like Florida and California, some counties—particularly those with significant wildfire exposure—experienced sharp spikes, with rates reaching up to 4.8% in certain years. The study compares these non-renewal trends with wildfire activity, showing strong correlations and notable time lags of one to two years following major fire seasons. Geographic analysis by ZIP Code highlights increasing rates in Wildland Urban Interface areas, where development meets high-risk landscapes. While most non-renewals occur in populous counties such as Maricopa, Pima, and Pinal, rural and forested regions are disproportionately affected on a per-policy basis. The findings underscore the growing intersection between climate-driven natural hazards and insurance market stability in Arizona. The report calls for continued data transparency and coordinated action among policymakers, insurers, and communities to enhance resiliency and maintain equitable access to homeowners’ insurance amid rising wildfire risks.