State FAIR Plan Homeowners Insurance Master Contact Guide

State FAIR Plans & Residual Market Programs are state-mandated insurers of last resort for homeowners who cannot obtain coverage in the private market — typically due to wildfire exposure, coastal wind risk, prior claims, or property condition. Below is a current directory of FAIR Plan (F) and Beach & Windstorm Plan (B) programs across the United States. If you've been declined or non-renewed, contact us — in most cases we can find you a private-market alternative before you resort to the FAIR Plan.
Alabama flag

Alabama Beach

Alabama Insurance Underwriting Association
315 East Laurel Avenue, Suite 216 D Foley, AL 36535 (251) 943-4029
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California flag

California FAIR

California FAIR Plan Association
725 S Figueroa Street, Suite 3900 Los Angeles, CA 90017 (800) 339-4099
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Colorado flag

Colorado FAIR

Colorado FAIR Plan Association
P.O. Box 348 Broomfield, CO 80038 (833) 554-5425
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Connecticut flag

Connecticut FAIR

Connecticut FAIR Plan
77 Hartland Street, Suite 308 East Hartford, CT 06108 (860) 528-9546
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Delaware flag

Delaware FAIR

Insurance Placement Facility of Delaware
190 N. Independence Mall West, Suite 301 Philadelphia, PA 19106 (215) 629-8800
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DC flag

District of Columbia FAIR

DC Property Insurance Facility
3290 N. Ridge Road, Suite 210 Ellicott City, MD 21043 (800) 492-5670
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Florida flag

Florida FAIR Beach

Citizens Property Insurance Corporation
2101 Maryland Circle Tallahassee, FL 32303 (866) 411-2742
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Georgia flag

Georgia FAIR

Georgia Underwriting Association
3355 Annandale Lane, Suite 3 Suwanee, GA 30024 (770) 923-7431
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Hawaii flag

Hawaii FAIR

Hawaii Property Insurance Association
700 Bishop Street, Suite 1100 Honolulu, HI 96813 (808) 585-3524
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Illinois flag

Illinois FAIR

Illinois FAIR Plan Association
P.O. Box 849 Tinley Park, IL 60477 (800) 972-4480
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Indiana flag

Indiana FAIR

Indiana Basic Property Insurance Underwriting Association
3502 Woodview Trace, Suite 100 Indianapolis, IN 46268 (317) 692-0559
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Iowa flag

Iowa FAIR

Iowa FAIR Plan Association
2700 Westown Pkwy, Suite 220 West Des Moines, IA 50266 (515) 255-9531
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Kansas flag

Kansas FAIR

Kansas All-Industry Placement Facility
2942A SW Wanamaker Drive, Suite 250 Topeka, KS 66614 (800) 777-1513
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Kentucky flag

Kentucky FAIR

Kentucky FAIR Plan Reinsurance Association
P.O. Box 437249 Louisville, KY 40243 (502) 425-9998
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Louisiana flag

Louisiana FAIR Beach

Louisiana Citizens Property Insurance Corporation
1 Galleria Blvd., Suite 720 Metairie, LA 70001 (888) 568-6455
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Maryland flag

Maryland FAIR

Maryland Joint Insurance Association
3290 N. Ridge Road, Suite 210 Ellicott City, MD 21043 (800) 492-5670
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Massachusetts flag

Massachusetts FAIR

Massachusetts Property Insurance Underwriting Association
Two Center Plaza Boston, MA 02108 (800) 851-8978
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Michigan flag

Michigan FAIR

Michigan Basic Property Insurance Association
27555 Farmington Rd., Suite 315 Farmington Hills, MI 48334 (313) 877-7400
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Minnesota flag

Minnesota FAIR

Minnesota FAIR Plan
7900 International Drive, Suite 625 Bloomington, MN 55425 (800) 524-1640
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Mississippi flag

Mississippi FAIR

Mississippi Residential Property Insurance Underwriting Association
6455 Wirtz Rd. Flowood, MS 39232 (601) 981-2915
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Mississippi flag

Mississippi Beach

Mississippi Windstorm Underwriting Association
6455 Wirtz Rd. Flowood, MS 39232 (601) 981-2915
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Missouri flag

Missouri FAIR

Missouri Property Insurance Placement Facility
11116 S. Towne Square, #303 St. Louis, MO 63123 (800) 392-7240
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New Jersey flag

New Jersey FAIR

New Jersey Insurance Underwriting Association
570 Broad Street, 5th Floor Newark, NJ 07102 (866) 654-7526
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New Mexico flag

New Mexico FAIR

New Mexico Property Insurance Program
7601 Jefferson St NE, Suite 380 Albuquerque, NM 87109 (505) 878-9563
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New York flag

New York FAIR

New York Property Insurance Underwriting Association
80 Pine St., 31st Floor New York, NY 10005 (212) 208-9700
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North Carolina flag

North Carolina FAIR

North Carolina Joint Underwriting Association
751 Corporate Center Drive, Suite 200 Raleigh, NC 27607 (800) 662-7048
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North Carolina flag

North Carolina Beach

North Carolina Insurance Underwriting Association
751 Corporate Center Drive, Suite 200 Raleigh, NC 27607 (800) 662-7048
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Ohio flag

Ohio FAIR

Ohio FAIR Plan Underwriting Association
8800 Lyra Drive, Suite 150 Columbus, OH 43240 (800) 282-1772
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Oregon flag

Oregon FAIR

Oregon FAIR Plan Association
8705 SW Nimbus Avenue, Suite 360 Beaverton, OR 97008 (503) 643-5448
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Pennsylvania flag

Pennsylvania FAIR

Insurance Placement Facility of Pennsylvania
190 N. Independence Mall West, Suite 301 Philadelphia, PA 19106 (215) 629-8800
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Rhode Island flag

Rhode Island FAIR

Rhode Island Joint Reinsurance Association
Two Center Plaza Boston, MA 02108 (800) 851-8978
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South Carolina flag

South Carolina Beach

South Carolina Wind & Hail Underwriting Association
240 Stoneridge Drive, Suite 101 Columbia, SC 29210 (803) 779-8373
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Texas flag

Texas FAIR

Texas FAIR Plan Association
4801 Southwest Parkway, Bldg. 1 Suite 200 Austin, TX 78735 (800) 979-6440
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Texas flag

Texas Beach

Texas Windstorm Insurance Association
4801 Southwest Parkway, Bldg. 1 Suite 200 Austin, TX 78735 (800) 979-6443
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Virginia flag

Virginia FAIR

Virginia Property Insurance Association
301 Concourse Blvd., Suite 190 Glen Allen, VA 23059 (804) 591-3700
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Washington flag

Washington FAIR

Washington FAIR Plan
2122 164th Street SW, Suite 301 Lynnwood, WA 98087 (866) 745-9808
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West Virginia flag

West Virginia FAIR

West Virginia Essential Property Insurance Association
190 N. Independence Mall West, Suite 301 Philadelphia, PA 19106 (215) 629-8800
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Wisconsin flag

Wisconsin FAIR

Wisconsin Insurance Plan
2115 10th Avenue, Suite 201 South Milwaukee, WI 53172 (414) 291-5353
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