TL;DR
- 27 metro pages covering the HOA and condo markets with the heaviest density and the most distinct local exposure, coastal wind, wildfire, hail, and freeze claims, plus the state statutes that shape coverage in each.
- Every metro is placed through the same specialty community-association markets. If your metro is not listed, the coverage still applies nationwide, request a review below.
Metro coverage
HOA and condo insurance, by metro.
Each metro carries a distinct exposure profile and a distinct regulatory overlay: coastal wind and post-Surfside structural statutes in Florida, wildfire and the Davis-Stirling Act in California, hail frequency along the Front Range, rapid master-planned growth in Texas, and freeze-related property claims across the Midwest. 27 metro pages organized by region below.
Florida Coastal
The toughest property market in the country for community associations - coastal wind exposure, post-Surfside structural inspection statutes, and a hard market that has pushed many associations toward surplus lines.
Inland hurricane and flood
FLOrlando
Inland Central Florida HOA and condo insurance where lower direct coastal wind meets high master-planned and condo density, real inland-flood risk, and Florida's statewide SIRS and milestone statutes inside a hard market.
Coastal wind and river flood
FLJacksonville
Jacksonville associations balance Atlantic wind on the Beaches against St. Johns River and tidal flood exposure, all under Florida's statewide SIRS and milestone statutes.
High-value coastal condos
FLNaples
Naples HOA and condo insurance for high-value Gulf-front associations facing direct hurricane exposure, percentage named-storm deductibles, Florida's SIRS and milestone statutes, and a hard market driving non-renewals into surplus lines.
Coastal high-rise wind
FLWest Palm Beach
West Palm Beach HOA and condo insurance for oceanfront high-rise density, Southeast Florida hurricane wind, percentage-of-value storm deductibles, and Florida's SIRS and milestone statutes.
Coastal wind & SIRS
FLMiami
High-rise and mid-rise condo density along a hurricane-exposed coastline, under Florida’s SIRS and milestone inspection statutes.
Coastal & canal-front
FLFort Lauderdale
Canal-front and barrier-island communities where wind, flood, and dock/seawall exposure stack on top of standard association coverage.
Gulf Coast wind
FLTampa
Gulf Coast storm-surge and wind exposure across a mix of coastal high-rise condos and inland master-planned single-family HOAs.
West & Mountain
Wildfire, earthquake, and hail exposure define the community-association market from California through the Mountain West, alongside some of the country’s largest master-planned and 55+ communities.
Seismic and Davis-Stirling
CASan Francisco
San Francisco HOA and condo insurance built around separate earthquake coverage with high percentage deductibles, SB326 exterior-elevated-element inspections under Civil Code 5551, and the Davis-Stirling D&O floors under Civil Code 5800.
Seismic and high-value
CASan Jose
HOA and condo insurance for San Jose associations, built around Silicon Valley replacement values, separate earthquake placement, and California's SB 326 balcony inspection law.
Valley flood & wildfire
CASacramento
Sacramento HOA and condo insurance built around Central Valley river and levee flood risk, foothill wildfire and seismic exposure, and Davis-Stirling D&O and fidelity requirements across a fast-growing suburban HOA base.
Monsoon wind and hail
AZTucson
Tucson HOA and condo insurance shaped by desert monsoon wind and hail exposure and Arizona's actual-cash-value property floor under A.R.S. 33-1253.
Sierra wildfire and earthquake
NVReno
Reno HOA and condo insurance shaped by Sierra Nevada wildfire and earthquake exposure, Nevada's NRS 116.3113 property floor, and fast-growing Truckee Meadows master-planned communities.
Front Range hail & wildfire
COColorado Springs
Colorado Springs HOA and condo insurance built around Front Range hail loss, wildland-urban-interface wildfire exposure, and Colorado's CCIOA full-replacement-cost property standard.
Wildfire & Davis-Stirling
CASan Diego
Wildland-urban-interface wildfire exposure and an older condo housing stock operating under California’s Davis-Stirling Act.
Wildfire & seismic
CALos Angeles
Dense high-rise condo and large master-planned communities carrying both wildfire and earthquake exposure under Davis-Stirling.
Hail & wildfire
CODenver
Front Range hail frequency driving roof-loss claims, plus foothills wildland-urban-interface exposure for master-planned communities.
Monsoon & 55+
AZPhoenix
Some of the country’s largest master-planned and 55+/active-adult communities, with monsoon wind and hail exposure each summer.
Master-planned density
NVLas Vegas
High master-planned-community density under Nevada’s community-association statute, with heavy common-area pool and amenity exposure.
Texas, Midwest & Mid-Atlantic
Rapid master-planned growth in Texas, historic high-rise and co-op density in the Mid-Atlantic, and hard freeze-thaw property claims across Chicago winters.
Gulf Coast flood
TXHouston
Houston HOA and condo insurance built around repeat rainfall flooding, Gulf hurricane wind, Texas Property Code 82.111's property floor, and the metro's large master-planned communities.
Severe hail and wind
TXDallas
Dallas-Fort Worth HOA and condo insurance built around severe hail and tornado/wind exposure, the Texas Property Code 82.111 property floor, and the metroplex's dense suburban master-planned association market.
Hail and wind
TXSan Antonio
HOA and condo coverage for San Antonio's hail-exposed, fast-growing master-planned communities under the Texas Uniform Condominium Act.
Inland wind and hail
NCCharlotte
HOA and condo insurance for Charlotte's fast-growing master-planned and townhome communities, priced against inland wind and hail exposure and North Carolina's 80% replacement-cost property floor.
Hail & rapid growth
TXAustin
Fast-growing master-planned single-family HOAs and townhome/PUD developments under the Texas Property Code, with material hail exposure.
High-rise & freeze claims
ILChicago
Dense vintage and modern high-rise condo stock under the Illinois Condominium Property Act, with heavy winter freeze-related property claims.
High-rise & co-op
DCWashington
A high concentration of high-rise condos and co-ops with older building stock across the DC-Maryland-Virginia metro.
Northeast
Dense co-op and condominium stock, older buildings, and coastal storm exposure, under state condominium acts that often leave the property-insurance amount to the declaration and bylaws rather than a fixed statutory percentage.
Co-op and high-rise
NYNew York City
New York City co-op and condo insurance built around the proprietary lease, Real Property Law Article 9-B, a dense aging high-rise stock, and Local Law facade inspections.
Coastal flood and wind
NYLong Island
Long Island co-op and condo insurance shaped by South Shore and North Shore flood and wind exposure, an aging suburban building stock, and New York's Condominium Act insurance requirement under RPL 339-bb.
Metro not listed?