The Early Warning System Failed. Now What?

The insurance industry just sent us a distress signal. Between 2018 and 2023, insurers canceled nearly 2 million homeowner policies, over four times the normal rate.

“The insurance crisis in the U.S. is the canary in the coal mine, and the canary is dead,” former California Insurance Commissioner Dave Jones told Undark Magazine.

That canary? It was our early warning system.

The Problem Metastasized While We Watched

California and Florida grabbed headlines as insurers fled en masse in 2023. That year, State Farm stopped writing new policies in California. Farmers pulled out of Florida entirely. At first, these were treated as regional anomalies, problems for people who chose to live near wildfires or hurricanes.

But now the phenomenon – of insurers retreating and rates going sky high – is spreading to Arizona, Idaho, Montana, New Mexico, and Texas. Oklahoma, landlocked and miles from any coast, is currently the third-most expensive state for home insurance after 152 tornadoes caused $24.6 billion in storm damage in 2024.

Extreme weather doesn’t respect state lines or historical risk maps. Insurers know this. They’ve known it for years. Their actuarial tables saw what was coming before most of us were paying attention.

What the Insurance Exodus Actually Tells Us

The insurance pullback reveals something crucial. Our aging homes are wildly unprepared for increasingly severe weather. Most U.S. housing stock is about 60 years old. These homes were designed when:

• Wildfire seasons lasted weeks instead of months.
• Category 5 hurricanes were rare.
• “Atmospheric rivers” wasn’t a household term.
• Extreme heat meant a few days over 100°F instead of weeks.

Millions of homes are now dangerously exposed. Insurers are simply the first industry forced to put a price tag on that exposure.

From Warning System to Action Plan

Future Proof exists because our country’s early warning system failed: we can’t leave millions of families hanging by a thread waiting for the next disaster.

We use AI to translate complex risk data into specific, high priority improvements for individual properties. We provide engineering solutions based on your home’s construction, your lot’s vulnerabilities, and the extreme weather patterns bearing down on your neighborhood.

The Visionary AI Engine analyzes nearly a trillion data points from IBM’s climate models, construction databases, and real-time weather patterns to identify exactly which upgrades will protect your property and potentially qualify you for insurance discounts where they still exist.

Magic Window shows you the risk where you live over the next 75 years. XHome Survey (to be released in 2026) will provide the detailed retrofit plans to address those risks. We connect you with contractors, materials suppliers, and financing options to get the work done.

We won’t get another warning. This is it. The question now is whether we act on the information we have before the next billion-dollar disaster makes that decision for us.

Ready to understand your property’s risk profile? Future Proof’s AI-powered platform shows you exactly which extreme weather threats are headed your way and which upgrades will make the most significant difference. Because the insurance industry already knows your risk score. Shouldn’t you?