State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits

When private insurers won't write a property in a wildfire or hurricane state, the state's residual-market insurer (a FAIR Plan or a corporation like Florida's Citizens) is the fallback — but the dollar limits and the rule that determines who is even eligible differ by state and are stated only in that state's own statute or program announcement. Each record is one state's program, carrying its coverage-category limit and, where the source states one, the rule that makes a property ineligible. Answers 'what's the maximum FAIR Plan payout in California', 'why would Florida Citizens turn down my house', 'which states cap eligibility by a dollar replacement-cost figure vs. a pricing-comparison rule'.

The data

Where this came from

Every record above links the page it was taken from and quotes the sentence that states it. These are the 5 sources this dataset was assembled from.

• cfpnet.comhttps://www.cfpnet.com/about-fair-plan/
• cfpnet.comhttps://www.cfpnet.com/about-fair-plan/commissioner-lara-and-fair-plan-reach-agreement-to-increase-commercial-coverage-limit-to-20-million/
• insurance.ca.govhttps://www.insurance.ca.gov/01-consumers/200-wrr/California-FAIR-Plan.cfm
• cfpnet.comhttps://www.cfpnet.com/policies/dwelling/
• flsenate.govhttps://www.flsenate.gov/Laws/Statutes/2025/627.351

Machine-readable

• data.jsonThe whole dataset — every record with its source URL and source quote.
• Open Knowledge Format bundleOne JSON object per line — every record's frontmatter and quoted span exactly as it is held here, in one fetch.
• data.csvThe same records as one flat table, for a spreadsheet or a dataframe. The last four columns are the source URL, the quoted sentence it was read from, the date we last checked it, and which columns are our reading rather than the page's words.
• How this is made and checkedWhat "verified against source" does and does not mean.

From your own code

Same records, same quotes, without scraping the page: refsource is on PyPI and npm. Each value comes back carrying the URL it was read from and the sentence on that page that states it — .source and .quote sit on the value itself rather than in a side channel, so the checking step is available instead of skipped.

pip install refsource
refsource lookup state-insurer-of-last-resort-coverage-limits state=California

npx -y refsource lookup state-insurer-of-last-resort-coverage-limits state=California

Set your AI assistant up to use this

Two files and no account. Put this in .mcp.json at the root of your project — Claude Code, Cursor, Windsurf, VS Code and Codex all read that file — and your assistant can look this dataset up instead of recalling it. The server is remote, keyless and read-only.

{
  "mcpServers": {
    "referencesource": {
      "type": "http",
      "url": "https://referencesource.org/mcp"
    }
  }
}

Add to Cursor · or, on the command line: claude mcp add --transport http referencesource https://referencesource.org/mcp --scope project

Then one line in the project's CLAUDE.md or AGENTS.md, so the assistant knows when to reach for it:

When a question needs "State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits", call the referencesource MCP server at https://referencesource.org/mcp (tool `search_records`, dataset_slug `state-insurer-of-last-resort-coverage-limits`) instead of answering from memory — every record it returns carries its source URL and a verbatim quote from that page.

What each tool does, and the servers built over single registers: Connect your AI assistant.

32 records. last verified against source 2026-10-01. due for re-check by 2027-02-15.

Licence. US state statute and state-agency announcements — facts not copyrightable (Feist, 1991); statute and release text quoted, not reproduced in full