District of Columbia · Insurer of Last Resort

FAIR Plan in District of ColumbiaState FAIR plan

Can't get homeowners insurance in District of Columbia? Here's whether the state runs a FAIR plan or insurer of last resort, what it covers, and how to use it as a bridge back to the private market. Confirm with the District of Columbia DOI.

Updated July 2026
Cross-verified vs NAIC
Confirm with your state DOI
Editorial & independent

A last resort — shop the private market first

A FAIR plan or insurer of last resort is meant for homeowners who genuinely can’t find coverage elsewhere. It’s typically pricier and more basic than a standard policy, so exhaust the private market and an independent agent first. Availability and rules change — confirm with the District of Columbia Department of Insurance.

District of Columbia runs a state FAIR plan

District of Columbia Property Insurance Facility — the D.C. residual property market.

As property carriers pull back from higher-risk areas, more District of Columbia homeowners are being non-renewed or declined — and the state’s residual market is the safety net that must offer at least basic coverage. It keeps you insured (and satisfies your mortgage lender) while you keep looking for standard coverage.

Regulator: property insurance in District of Columbia is overseen by the DC Department of Insurance, Securities and Banking (DISB).

Source: NAIC — FAIR Access to Insurance Requirements Plans (cross-checked vs insurance.com & stillinsurable.com)|Retrieved: July 2026
Residual-market programs change — confirm current availability and rules with the plan or the District of Columbia DOI.

FAIR Plan in District of Columbia — FAQ

Does District of Columbia have a FAIR plan?

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District of Columbia runs a state FAIR plan. District of Columbia Property Insurance Facility — the D.C. residual property market.

How do I get a last-resort policy in District of Columbia?

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You generally must show you were declined by the private market first, and you usually apply through a licensed agent. These plans typically provide basic coverage (fire and a limited set of perils), so you may need endorsements — or a separate wind or flood policy — for full protection. Treat it as a bridge while you keep shopping the private market.

Does a District of Columbia FAIR plan cover flood?

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No. FAIR plans (and standard home policies) never cover flood — that requires separate flood insurance through the NFIP or a private flood insurer. Confirm your flood exposure and coverage options separately. In several coastal states, hurricane/wind is also handled by a separate wind pool rather than the FAIR plan.

Related guides and tools

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Michael Torres

Editorial Lead, Catastrophe & Commercial Property

This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.

Reviewed July 2026

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