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      <image:title>BLOG - The Growing Strain on Property Insurance in the American West - Texas presents a uniquely complex case. Coastal regions, especially around Houston and the Gulf Coast, face escalating hurricane and flood risks. At the same time, the state’s rapid population growth has led to massive residential development in vulnerable areas. The Texas Windstorm Insurance Association (TWIA), the state’s insurer of last resort for coastal properties, has seen growing exposure as private insurers limit their participation. When major storms hit, losses can ripple through the system, potentially leading to assessments on insurers and, indirectly, higher premiums statewide. Compounding the issue is Texas’s fragmented approach to flood insurance. Much of the risk remains concentrated in the federal National Flood Insurance Program (NFIP), which itself is under financial strain. The result is a layered system where taxpayers, insurers, and homeowners all share increasing risk, but without a clear long-term solution.</image:title>
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      <image:title>BLOG - The Growing Strain on Property Insurance in the American West - Colorado’s insurance challenges are driven less by hurricanes and more by wildfires, particularly in the “wildland-urban interface,” where suburban development meets fire-prone forests. In recent years, insurers have significantly raised premiums or withdrawn coverage in high-risk mountain and foothill communities. Homeowners in places like Boulder County and Colorado Springs are increasingly facing non-renewals or being forced into surplus lines markets with higher costs and less protection. Unlike California, Colorado does not yet have a large-scale FAIR Plan equivalent, though policymakers have begun exploring options. The state is also grappling with how to incentivize wildfire mitigation such as defensible space and fire-resistant building materialswithout making insurance unaffordable.</image:title>
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      <image:title>BLOG - The Growing Strain on Property Insurance in the American West</image:title>
      <image:caption>New Mexico’s insurance market is smaller but no less vulnerable. The state faces a combination of wildfire risk, prolonged drought, and occasional severe flooding. In rural and forested areas, insurers have begun pulling back coverage following major fire events, such as the Hermits Peak/Calf Canyon Fire. For many homeowners, especially in lower-income or remote communities, alternatives are limited. Unlike larger states, New Mexico lacks the scale to easily absorb losses through broad risk pooling. This raises concerns about whether federal backstops or regional insurance solutions may become necessary.</image:caption>
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    <lastmod>2026-04-21</lastmod>
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      <image:caption>(C) Capital Group 2025</image:caption>
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      <image:caption>Monarch’s Sankey diagram.</image:caption>
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