Previo Carrier
Florida property insurance by county: who insures the county, what a home pays, how Citizens is moving, the flood gap, and the next twelve months, from the public record.
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Previo Carrier answers one question for one Florida county at a time: what is happening to property insurance here, and where is it heading?
It reads four public publishers into a local store with one button: Citizens Property Insurance Corporation's monthly county reports, the Florida Office of Insurance Regulation's stability reports and market data, and FEMA's flood take-up and claims. No account, no key, nothing leaves the machine.
The county on six figures
Citizens policies and their change in a year. The average homeowners premium with wind and the county's rank among the 67. Cancellations and non-renewals for hurricane risk. Homes with federal flood cover. The twelve-month outlook with the band of the model's own back-test. Each tile names its publisher and date, so a board can question any of them and find the source underneath.
Honest about the public data
The Market page names the reporting carriers and says plainly what the public files leave out: carriers that file as trade secret are absent from the data, not from the county. Shares are shown as shares of the reporting carriers, never of the county, and the year-by-year table shows those carriers leaving the public files instead of smoothing over it.
Made for the meeting
The county one-pager PDF, the Excel workbook with every number, and the full-screen meeting deck (F5) are computed from the same summary as the dashboard, so they cannot disagree with it. Your company goes on the header.
Public records, read as published. Not a quote, a rate or insurance advice.
- First release of Previo Carrier: Florida property insurance by county, from the public record
- Citizens' monthly county reports since 2017, every product line, month by month with a forecast band
- The regulator's stability reports since 2022: average premium by county from every carrier, all 67 counties ranked
- The regulator's market data 1996 to 2026, company by county by month, with hurricane-risk cancellations and non-renewals
- FEMA flood take-up by county, the protection gap, every flood claim since 1978
- Dashboard, Citizens, Premiums, Market, Flood and Outlook pages; the trade-secret gap named on the page
- County one-pager PDF, Excel workbook with every number, full-screen meeting deck (F5)
- One-button import into a local cache; no account, no key; nothing leaves the machine
