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OIR conducts a public rate hearing regarding the Citizens Property Insurance Corporation (Citizens) rate filing to hear testimony from the company and receive public comment. Details regarding the 2022 rate hearing are available below.

Citizens Property Insurance Corporation
Public Rate Hearing

2022 Citizens Rate Hearing

The Florida Office of Insurance Regulation (OIR) conducted a rate hearing to receive public comment for Citizens’ proposed rate changes at 1 p.m. on Thursday, March 31, 2022.

The purpose of the public hearing was to discuss Citizens’ proposed rate changes for its business in the Coastal Account (CA), Commercial Lines Account (CLA), and the Personal Lines Account (PLA).

The effective date for new and renewal rates is September 1, 2022. 

Public Comments / Testimony

Comments were accepted for consideration on rate filings until 5:00 p.m. (Eastern Time) on April 14, 2022. Under Florida law, written communications to the OIR are public record and subject to disclosure, including being available to the public and media.

The chart below provides the overall estimated statewide average rate changes for personal lines accounts (PLA), commercial line accounts (CLA) and coastal accounts (CA). Rate filings can be accessed via the Insurance Regulatory Filing System (IRFS) using the file log numbers or company name. The most recent filing information will be at the bottom of the results page.

 Order # 293112-22 – Personal Lines, Coastal Accounts

Order # 297070-22 – Commercial Lines Accounts


File Log #AccountOriginal Rate RequestedEstablished Rate
22-002005Homeowners Multi-Peril (PLA & CA)+10.7%+6.4%
22- 002027 Homeowners’ Wind-Only (CA)+10.0%+9.8%
22-002262 Property/Personal (Dwelling Fire) Multi-Peril (PLA+CA)+10.8%+8.4%
22-002263 Property/Personal (Dwelling Fire) Wind Only (CA) +10.4%+10.1%
22-002504 Mobile Homeowners Wind Only (CA) +10.6%+10.6%
22-002505 Mobile Homeowners Multi-Peril (PLA & CA) +10.7%+10.6%
Mobile Homeowners Physical Damage (PLA)
22-002900 Mobile Homeowners Physical Damage Wind Only (CA) +10.7%+10.7%
22-003394 Commercial Residential Multi-Peril Condo Assn. (CLA & CA) +8.7%+8.7%
22-003395 Commercial Residential Multi-Peril Excluding Condo Assn. (CLA & CA) +10.2%+10.2%
22-003509 Commercial Non-Residential Multi-Peril (CLA) +0.7%+0.0%
22-003648 Commercial Residential Wind Only Condo Assn. (CA) +9.9%+9.9%
22-003649 Commercial Residential Wind Only Excluding Condo (CA) +10.6%+10.6%
22-003765 Commercial Non-Residential Wind Only (CA) +11.0%+11.0%


The revised proposed Citizens rate filings listed below can be accessed via the IRFS Forms & Rates Filing Search system by using the following search criteria: file log numbers (see chart below) or by entering “Citizens” as the “company name” in the “Quick Search” tab. Scroll down to the bottom of the results page for the most recent filing information.
File Log #


AccountProposed Rate Level Effect by
Territory and Country
22-002005+10.7%Homeowners Multi-Peril (PLA)HO-3, HO-4, HO-6 (PLA)
22-002027+10.0%Homeowners Wind Only (CA)HO-3, HO-4, HO-6 (CA)
22-002262+10.8%Property/Personal (Dwelling Fire) (PLA)DP-1, DP-3 (PLA)
22-002263+10.4%Property/Personal (Dwelling Fire) Wind Only (CA)DW-3 (CA)
22-002504+10.6%Mobile Homeowners Wind Only (CA)MHO-3 (CA)
22-002505+10.7%Mobile Homeowners Multi-Peril (PLA)MHO-3, MHO-4 (PLA)
22-002899+10.8%Mobile Homeowners Physical Damage (PLA)MHO-Dwelling (PLA)
22-002900+10.7%Mobile Homeowners Physical Damage Wind Only (CA)MHO-Dwelling (CA)
22-003394+8.7%Commercial Residential Multi-Peril Condo Assn. (CLA)CRM Condo (CLA)
22-003395+10.2%Commercial Residential Multi-Peril Excluding Condo Assn. (CLA)CRM Non-Condo (CLA)
22-003509+0.7%Commercial Non-Residential Multi-Peril (CLA)CNRM (CLA)
22-003648+9.9%Commercial Residential Wind Only Condo Assn. (CA)CRW Condo (CA)
22-003649+10.6%Commercial Residential Wind Only Excluding Condo (CA)CRW Non Condo (CA)
22-003765+11.0%Commercial Non-Residential Wind Only (CA)CRNW (CA)