The Insurance Institute for Business & Home Safety and the American Property Casualty Insurance Association released a new toolkit on March 25, 2026, to help communities implement coordinated wildfire mitigation programs. The Community Wildfire Risk Reduction Program Framework provides structured guidance for local governments, fire services, and community organizations working to reduce wildfire risk.

The resource focuses on practical, science-based strategies to address home ignition and limit wildfire spread at the neighborhood level.

Framework Outlines Step-by-Step Community Planning

The toolkit provides step-by-step guidance for planning, designing, and launching local wildfire risk-reduction programs. It also includes tools to support long-term program sustainability.

In addition, the framework incorporates science-based home mitigation standards. These include structural hardening measures and defensible space requirements, such as maintaining a 0- to 5-foot noncombustible safety zone around properties.

The resource also provides assessment and training materials designed to support consistent property evaluations. These materials aim to help communities train home assessors and standardize mitigation practices.

Implementation Tools and Outreach Strategies Included

The framework includes practical implementation tools such as program checklists, sample forms, funding considerations, and administrative guidance. These resources are designed to help communities operationalize wildfire mitigation efforts.

It also outlines outreach and coordination strategies to engage homeowners, local partners, and supply chain providers. The goal is to encourage community-wide participation in risk reduction efforts.

Steve Hawks, senior director for wildfire at IBHS, stated that many communities now face wildfire as an ongoing risk. He said the toolkit provides a consistent, research-based approach that communities can use to reduce home ignition and strengthen neighborhoods.

Focus on Reducing Structure-to-Structure Fire Spread

The framework highlights the role of structure-to-structure fire spread in wildfire events. Unlike some natural disasters, wildfires can intensify when they move from wildland areas into neighborhoods. A single home ignition can lead to a chain reaction of fire spread between structures.

The toolkit emphasizes strengthening homes and creating defensible space across entire neighborhoods. These measures aim to reduce the likelihood of widespread destruction.

Karen Collins, vice president of property and environmental at APCIA, noted that wildfire risk remains a persistent issue. She said reducing the likelihood of home ignition from embers, flames, and extreme heat is critical. She also highlighted the importance of community-wide action led by local officials and supported by property owners.

Broad Industry and Fire Service Support

The framework has received support from organizations across wildfire mitigation, fire services, and the insurance sector.

The National Fire Protection Association contributed wildfire risk reduction information and messaging to the toolkit. Michele Steinberg, the organization’s wildfire division director, said the resource helps deliver critical mitigation information to communities.

California State Fire Marshal Daniel Berlant emphasized the role of community coordination. He stated that informed and connected communities can take meaningful action to reduce wildfire risk.

Oregon State Fire Marshal Mariana Ruiz-Temple highlighted the framework’s focus on evidence-based strategies, including home hardening and expanding defensible space.

Jessica Martinez of the California Fire Safe Council said tools that translate wildfire science into practical resources can support local mitigation efforts.

Chief Jeremy Craft of the Western Fire Chiefs Association noted that fire services cannot protect every structure during a wildfire. He said residents must take action before a fire occurs.

Mark Novak of the International Association of Fire Chiefs pointed to current weather conditions, including warm temperatures and low precipitation, as factors increasing wildfire risk. He said the framework provides clear guidance for community preparedness.

Insurance Industry Perspective on Mitigation Efforts

Insurance organizations also expressed support for the framework’s approach.

Kenton Brine, president of the NW Insurance Council, said insurers have promoted wildfire mitigation for more than a decade. He noted that the framework provides access to proven tools that help prevent the spread of fire in built environments.

Carole Walker, executive director of the Rocky Mountain Insurance Association, said the framework helps communities implement preparedness strategies that improve home safety and insurability.

Access to the Toolkit

Communities can access the full Community Wildfire Risk Reduction Program Framework through IBHS. The resource includes templates, guidance documents, and implementation materials designed to support local wildfire mitigation programs.

The IBHS conducts scientific research to identify effective actions that strengthen homes, businesses, and communities against natural disasters. APCIA serves as a national trade association representing property and casualty insurers across the United States.

Severe convective storms, including hail, tornadoes, and straight-line winds, are now a primary driver of insured losses, according to Cotality’s 2026 Severe Convective Storm Risk Report. The report highlights how recovery outcomes depend on coordination across underwriting, modeling, claims, and restoration functions.

A fictional scenario illustrates the challenge. Two homeowners experienced hail damage, but delays in claims response allowed additional rain to cause mold and significantly increase total loss costs. This example reflects broader issues tied to response timing and resource availability.

A Multi-Stage Recovery Process

Cotality describes storm recovery as a coordinated effort across several roles:

• Underwriters use structure-level data for risk selection and pricing.
• Catastrophe modelers identify high-risk concentrations.
• Claims representatives verify events and initiate recovery.
• Restoration contractors complete repairs and reconstruction.

Each stage contributes to the speed of property restoration.

Underwriting and Exposure Trends

The report states that historical weather data alone is no longer sufficient. Insurers are incorporating forward-looking data, including building characteristics such as roof age and condition.

Hail remains a major driver of claims. Older roofs are more susceptible to damage, which can increase claim severity. Cotality estimates that more than 43.5 million U.S. properties fall into moderate or greater hail risk categories, representing $17.8 trillion in reconstruction cost value.

Texas leads in exposure with nearly 8 million properties and $3.1 trillion in risk. Illinois ranks second with $1.5 trillion. At the metro level, the Chicago area has the highest exposure at $1.0 trillion, referred to as the "Chicago Anomaly."

Catastrophe Risk and Hail Losses

The report identifies a shift in how severe convective storms are categorized. Previously considered secondary perils, these events now cause losses comparable to those from major hurricanes.

At a 500-year return period, modeled losses reach $71 billion, with a single hailstorm accounting for $58 billion. Even at more frequent intervals, hail events can generate nearly $30 billion in insured losses.

A June 2023 Texas storm cluster caused $7 billion to $10 billion in losses, with 95 percent attributed to hail. A shift of 15 to 20 miles into a denser area would have increased losses to approximately $30 billion.

Claims and Weather Verification

Claims response timing remains a key factor in recovery. Fast, accurate weather verification enables earlier resource deployment.

In 2025, hail measuring 2 inches or greater impacted more than 600,000 properties, representing $177 billion in reconstruction cost value. Texas recorded more than 235,000 impacted homes. Wyoming, Oklahoma, Wisconsin, and Kansas also reported high volumes, accounting for about 66 percent of affected properties.

Cotality recorded 142 days of damaging hail in 2025, exceeding the 20-year average of 122 days.

Restoration and Project Complexity

Restoration workflows are becoming more complex. Contractors manage multiple services, including emergency stabilization, water mitigation, contents restoration, and reconstruction.

Exterior damage to roofing, siding, and windows is common. In some cases, full structural rebuilding is required. Contractors are also expanding into appraisal and consulting roles to support cost estimation and documentation.

Storm-related water intrusion increases interior damage risk, often requiring mitigation work before claims are finalized. Large-scale events can also extend project timelines due to labor and supply constraints.

Global Activity

The report notes similar patterns internationally. In Europe, Germany recorded 12.3 billion EUR in losses from 2000 to 2024, while Ireland had the highest per capita losses.

A July 2023 storm system in southeastern Europe produced high winds, large hail, and flooding across multiple countries, causing structural damage and infrastructure disruption. The event placed simultaneous strain on multiple recovery systems.

Cotality’s report presents severe convective storm recovery as a coordinated process that relies on accurate data and alignment across industry functions.

Homeowners across the U.S. may face another year of rising insurance costs. A recent forecast from Insurify projects that home insurance premiums will increase by an average of 4% by the end of 2026, marking the fifth consecutive year of rate increases.

While the national average may seem moderate, some regions are expected to experience significantly higher jumps, driven largely by ongoing weather-related risks and rising claims costs.

What’s Driving Higher Home Insurance Costs?

The continued rise in premiums is closely tied to the growing frequency and severity of natural disasters.

Severe convective storms — including tornadoes, hail, and high winds — have caused widespread damage across the Midwest and Great Plains. In 2025 alone, these events resulted in more than $52 billion in insured losses, making it one of the costliest years on record.

Wildfires are also playing a major role, particularly on the West Coast. In Southern California, wildfires caused more than $250 billion in damages in 2025, further impacting insurers’ risk models and pricing strategies.

As these events become more common and more expensive, insurance companies are adjusting how they manage risk. This can lead to higher premiums, changes in coverage terms, or reduced availability in certain high-risk areas.

States Expected to See the Largest Increases

Although premiums are rising nationwide, some states are projected to see more significant increases in 2026:

• California: +16%
• Nebraska: +13%
• New Mexico: +11%
• Georgia: +10%

These projected increases follow sharp rate hikes in 2025 in states like Minnesota, Colorado, and Iowa, highlighting an ongoing trend in areas with elevated weather-related risks.

The Broader Impact on Homeowners

Rising insurance costs can influence more than just monthly expenses. Research from Florida State University suggests that a 10% increase in homeowners insurance premiums may lead to a 4.6% decrease in housing prices.

As affordability becomes a growing concern, insurance costs are increasingly part of the overall conversation around buying and owning a home.

The Most Expensive States for Home Insurance

Some states continue to stand out for their high insurance costs, often due to increased exposure to hurricanes, severe storms, or other natural disasters. According to projections for 2026, the most expensive states include:

• Florida: $8,458
• Oklahoma: $5,205
• Louisiana: $5,035
• Nebraska: $4,560
• Texas: $4,529
• Colorado: $4,164
• Alabama: $3,979
• Mississippi: $3,833
• Minnesota: $3,654
• Illinois: $3,559

Florida remains the most expensive by a wide margin, reflecting its ongoing exposure to hurricanes and coastal risks.

Where Rates May Decrease

Not all states are expected to see increases. Some areas may experience slight declines — up to 2% — by the end of 2026. These include:

• Hawaii
• Massachusetts
• Maine
• Louisiana
• Rhode Island

While these decreases are relatively small, they may provide some relief compared to the broader national trend.

What This Means Moving Forward

The steady rise in home insurance costs reflects larger changes in weather patterns, rebuilding expenses, and overall risk exposure. As insurers continue to adjust pricing and coverage strategies, homeowners may need to stay informed and regularly review their policies.

Understanding regional risks and how they impact insurance costs can help individuals make more informed decisions about coverage, property investments, and long-term planning.

ShoreOne Insurance Managers, Inc. has been acquired by Totalis Program Underwriters, according to a recent announcement from both organizations. The transaction brings ShoreOne into the Totalis platform while maintaining its existing structure and leadership continuity. Terms of the deal were not disclosed.

Leadership and Organizational Structure

ShoreOne will continue to operate as an independent business unit within Totalis. Cameron Rhodes, co-founder of ShoreOne, will assume the role of chief executive officer, succeeding co-founder Nick Steffey. Rhodes will report to John Mahoney, head of Programs at Totalis.

Mahoney welcomed the ShoreOne team and emphasized the company’s role in addressing a protection gap for coastal homeowners. Rhodes noted that Totalis’s underwriting-first philosophy and entrepreneurial culture align with ShoreOne’s approach. He added that Totalis provides long-term capital support, allowing ShoreOne to focus on disciplined, profitable growth while continuing to serve insurer, reinsurer, and distribution partners.

Steffey will remain involved with ShoreOne as Executive Advisor. In addition, he will continue his role as chairman of BrightShore Insurance Company.

ShoreOne’s Market Focus and Capabilities

ShoreOne, founded by Rhodes and Steffey, offers a homeowners insurance product that integrates comprehensive flood coverage. The company serves coastal markets in South Carolina, New Jersey, New York, Massachusetts, and Rhode Island.

The ShoreOne product combines traditional homeowners coverage with flood insurance into a single policy. This approach addresses a coverage gap that often requires homeowners to secure multiple policies. ShoreOne distributes its policies through independent insurance agents with technical expertise in coastal risk.

The company supports its underwriting strategy through advanced analytics, proprietary risk-selection tools, and disciplined portfolio management. These capabilities allow for more precise pricing and underwriting performance in flood-exposed markets.

ShoreOne wrote its first policy in 2021. It is backed by reinsurers and insurance-linked securities markets. The company also emphasizes experienced leadership and proprietary technology in its operations.

Role of Carrier Partners

BrightShore Insurance Company, which ShoreOne founded, is not included in the transaction and will retain its current ownership. However, BrightShore will continue to support ShoreOne as a key carrier partner. American European Insurance Company and Trisura Specialty Insurance Company will also remain carrier partners.

Totalis Platform and Strategy

Totalis Program Underwriters operates as an integrated platform focused on specialty insurance solutions in complex and underserved market segments. The company supports program businesses by providing shared capital, resources, and strategic support while allowing them to operate independently.

Mahoney stated that Totalis continues to expand its portfolio of specialty businesses. He noted that the platform is positioned to meet the needs of distribution and carrier partners as market demands change.

Totalis emphasizes disciplined underwriting, customer service, and long-term profitability across its programs. The organization also focuses on expanding its expertise and capabilities to support business growth and address complex risks.

About ShoreOne Insurance Managers

ShoreOne Insurance Managers, Inc. focuses on addressing coverage gaps for flood-exposed coastal homeowners. The company offers a single policy that combines traditional homeowners coverage with flood protection. It distributes policies through independent agents and relies on reinsurance and capital markets support. ShoreOne integrates leadership experience, proprietary technology, and a family-oriented business approach in its operations.

About Totalis Program Underwriters

Totalis Program Underwriters provides specialty insurance solutions through a scaled and integrated platform. The company works across multiple industries and focuses on underserved market segments. Its programs emphasize underwriting expertise, customer service, and sustainable profitability for distribution partners, carrier partners, and insureds.

AccuWeather has issued its early outlook for the 2026 Atlantic hurricane season, providing projections on storm activity and the environmental conditions expected to influence development.

The forecast calls for 11 to 16 named storms during the 2026 season. This range places activity near or slightly below historical averages. The Atlantic hurricane season officially runs from June 1 through Nov. 30.

Projected Storm Activity

Within the total number of named storms, AccuWeather anticipates several systems could strengthen into hurricanes. While the overall number of storms may trend closer to average levels, the forecast still includes the potential for impactful weather events.

AccuWeather also projects that three to five storms could directly impact the United States during the season. This estimate reflects the possibility of multiple landfalls, even in a year with near-average activity.

Influence of El Niño Conditions

A key factor in the 2026 forecast is the expected development of El Niño conditions. This climate pattern typically increases wind shear across the Atlantic basin, which can disrupt storm formation and limit intensification.

As a result, forecasters indicate that El Niño may help suppress overall storm activity compared to more active seasons. However, it does not eliminate the risk of significant storms forming or making landfall.

Seasonal Variability Remains a Factor

AccuWeather notes that hurricane seasons can vary significantly based on evolving atmospheric and oceanic conditions. Factors such as sea surface temperatures, wind patterns, and pressure systems will continue to shape storm development throughout the season.

Forecasters will monitor these conditions closely and may adjust projections as the season approaches and progresses.

According to a March 25, 2026, Los Angeles Times article, a Los Angeles Superior Court jury has found Instagram and YouTube liable in a closely watched civil trial involving claims that the platforms were designed to addict young users.

After seven weeks of court proceedings and more than 40 hours of deliberation across nine days, jurors ruled in favor of the plaintiff, Kaley G.M., a 20-year-old woman from Chico. The jury awarded $3 million in damages and also found grounds for punitive damages. The verdict was delivered on Wednesday morning.

Kaley testified that she began using YouTube and Instagram in grade school and later experienced harm that she attributed to prolonged use of the platforms. Jurors were tasked with determining whether the companies acted negligently in designing their products and failed to warn users of potential risks.

The case marks a significant development, as the Los Angeles Times reports that no prior lawsuit seeking to hold technology companies responsible for harm to children had reached a jury before this trial, which began in late January. Many similar cases are currently pending in both state and federal courts.

The jury ultimately held both Meta, the parent company of Instagram, and Google, which owns YouTube, responsible. Liability was split 70 percent to Meta and 30 percent to Google.

According to the article, Snapchat and TikTok were also named in the lawsuit but settled with the plaintiff before trial for undisclosed amounts.

The decision follows another recent ruling referenced in the Los Angeles Times, in which a New Mexico jury found Meta liable for $375 million in a separate case involving allegations that Instagram contributed to harmful conditions for children. Meta has stated it plans to appeal that decision.

The Los Angeles case focused on whether harm resulted from the platforms' design and operation rather than from user-generated content. This distinction is central to ongoing litigation involving social media companies. The article notes that Section 230 of the Communications Decency Act has historically shielded platforms from liability related to user content.

Legal experts cited in the article highlighted the importance of this distinction. The lawsuits aim to demonstrate that platform features, including algorithms and engagement-driven design, contributed to user harm.

During the trial, attorneys for Meta and Google argued that Kaley’s experiences were influenced by other factors, including her home environment and the effects of the COVID-19 pandemic. They also questioned the validity of social media addiction as a medical condition, noting that there is no formal diagnosis.

Defense attorneys further argued that Kaley had not received treatment for social media addiction and suggested that her usage patterns did not meet the threshold of addiction. They compared platform use to other forms of media consumption.

However, jurors reviewed internal company documents and expert testimony before reaching their decision. According to the Los Angeles Times, jurors requested access to internal Meta materials and examined testimony from a defense expert who stated that social media was not a contributing factor to Kaley’s mental health.

The case also brought Meta CEO Mark Zuckerberg to the witness stand. As reported, he defended Instagram’s safety measures and discussed the challenges of preventing underage users from accessing the platform.

Additionally, the trial introduced thousands of pages of internal documents into the public record. The plaintiff’s legal team argued that these documents demonstrated the companies' efforts to increase user engagement among younger audiences.

The verdict is expected to influence a large number of similar cases. According to the Los Angeles Times, Kaley’s lawsuit was selected as a test case from a group of consolidated claims in California state court. Hundreds of additional cases are progressing through the federal court system, with the first federal trial scheduled to begin in June in San Francisco.

The article also notes a recent Delaware court ruling that cleared Meta’s insurers of liability for damages arising from similar lawsuits. That decision could affect how financial liability is distributed in future cases involving alleged harm to children from social media platforms.