Utah has become the worst state in the nation for homeowners insurance non-renewals, according to data released September 8 by Weiss Ratings. The state has moved from ranking 17th in the country a year ago to the number one spot, a shift described by Weiss Ratings founder Dr. Martin D. Weiss as a market in acute distress.
Data shows that Utah carriers declined to renew 4.45 percent of homeowners policies in force in 2025, which represents approximately one in every 22 homes. This rate is 8.4 times higher than the rate Utah recorded in 2018 and more than 2.6 times its 2024 figure. For comparison, California ranked second nationally with a non-renewal rate of 2.93 percent.
Unlike the crisis in California where premiums often doubled before non-renewals peaked, Utah homeowners are seeing non-renewals even though premiums remain below the national average. According to 2026 rate analyses from LendingTree and Insurance.com, a standard homeowners policy in Utah costs approximately $1,814 to $1,858 per year, while the national average is $2,628.
While premiums are lower than the national average, Utah homeowners insurance rates saw a 70.6 percent increase from 2019 through 2024. This represents the second-largest rate increase in the nation during that period, trailing only Colorado.
The non-renewal surge is particularly noted in the wildland-urban interface, including the Wasatch foothills, Park City, the Wasatch Back, and Washington County near St. George. St. George has been identified as one of the highest wildfire risk areas in the country.
In response to wildfire risks, the 2025 Utah Legislature passed House Bill 48. This law, which took effect in 2026, creates a statewide wildfire risk mapping tool and requires insurers to use it when determining property risk. The law also assesses fees between $20 and $100 per structure on properties within the High Risk Wildland Urban Interface boundary to fund risk assessments. Additionally, HB 48 provides a consumer protection requiring insurers to provide notice and justification if they raise rates by 20 percent or more or drop coverage due to wildfire risk, upon homeowner request.
Some signs of market stabilization exist, such as Insurance Geek's June 2026 analysis finding that the insurer Openly implemented more competitive rates and capped renewal rates in Utah during that month.
Homeowners who receive a non-renewal notice may request the specific reason from their carrier. Under HB 48, insurers must provide an explanation if the non-renewal is wildfire-related. For questions regarding non-renewal rights or the HB 48 risk mapping tool, the Utah Insurance Department consumer line can be reached at 1-800-439-3805.
