# Withdrawn home insurance

Homeowners lose insurance their mortgage still requires

Problem 0018 · Finance · Theme: Measurement · What it would take: A funded startup · Scope: National · Editorial grade: Critical · Framed 21 September 2026 · Updated 22 September 2026 · Framed from public reporting

Insurers are withdrawing from places where people still live and still owe money. The mortgage requires cover; the cover depends on a risk model that has stopped holding. Homeowners find out at renewal, with weeks to replace a policy that may not exist at any price, and often no accepted way to show an insurer the work they have done to make the building safer, because that evidence is rarely collected in a form an underwriter will accept.

## Who lives with it

Homeowners in high-risk areas · mortgage lenders and brokers · local authorities watching values move

## Why now

In January 2025 the US Treasury's Federal Insurance Office, drawing on over 330 insurers and 246 million policies, found non-renewal rates in the highest climate-risk ZIP codes running about 80% above the lowest, with premiums averaging 82% higher.

## Why it matters

Nobody owns the gap between the loan and the policy, and the one thing that would narrow it (verified, property-level evidence of risk reduction) is what neither side routinely collects.

## From public reporting

- [Homeowners insurance costs rising, availability declining as climate-related events take their toll](https://home.treasury.gov/news/press-releases/jy2791), U.S. Department of the Treasury, 16 January 2025

## Cite it

“Homeowners lose insurance their mortgage still requires.” Ainna Problem Radar, problem 0018, 21 September 2026. https://ainna.ai/problems/homeowners-lose-insurance-their-mortgage-still-requires

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