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Expiration: Mon. Day, 202X

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Instructions for Federal Insurance Office (FIO) 

Climate Data Collection: U.S. Homeowners Multi-Peril Form

General Guidelines

• All data should be aggregated and reported:

o On a consolidated insurer group basis, unless reporting for a single insurer; 

o On a direct business basis before impact of reinsurance;

o At the five-digit United States Postal Service ZIP Code (ZIP Code) level and for all ZIP 

Codes provided in cells C11 to C41101 of the data template;

o Where possible (premiums, losses, and claims data fields), in accordance with Statutory 

Accounting Principles;

o Where appropriate, in U.S dollars with the full values stated (i.e., not reported in millions 

or thousands).

• Data should include:

o Information associated with the Homeowners Multi-Peril Line of Business (Homeowners 

LOB);

o Only HO-3 policies;

o Coverage corresponding to Coverages A, B, C, and D in policy forms.

• Data should exclude, if possible:

o Coverage related to earthquakes;

o Coverage other than the Homeowners LOB for bundled policies.

• For all fields reported on an accident year (AY) basis that are associated with homeowners 

businesses divested prior to the 2022 Annual Statement filing, data should be provided up to the 

last year that results for that business were reported.

• ZIP Code values have been pre-populated in column C. Data for ZIP Codes that are not on the 

pre-populated list should be added at the end starting in row 41102.

• Each cell should be reported. No cells should be left blank. Report value “0” in the case of zero 

exposure, business, or losses. In case a data element is not available, report “NA”.

• FIO is requesting data from 2017-2022. Each tab of the data template represents one reporting 

year, beginning in 2017. Respondents should populate each tab separately for each of the six

years.

Data Template Field Instructions

As a guide, the table below provides associated sections, cell numbers, and field names with 

information about each specific cell. 
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Section i. Insurance Group Information

Cell(s) Field Name Comments

D5 NAIC Group Code 

• Provide the NAIC Group Code used for state 

regulatory reporting purposes. 

• If not part of a group, provide the NAIC entity 

code.

E5 Insurer Group Name 

• Provide the NAIC Group Name used for state 

regulatory reporting purposes. 

• If not part of a group, provide the individual 

company name.

F5

NAIC Company Codes of 

Homeowners Insurance 

Entities Included in the Group 

Reporting Below

• Provide the NAIC Codes corresponding to each 

insurance entity included in group-level 

reporting for a given year used for state 

regulatory reporting purposes.

• Separate each company code with a comma 

without additional spaces.
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Section ii. Policy Information

Cell(s) Field Name Comments

C11-

C41101 USPS ZIP Code

• Prepopulated five-digit ZIP Codes for alignment 

with aggregated data. 

• No entry of data necessary, however if given 

five-digit ZIP Code is not on pre-populated list, 

it should be added at the end starting in row 

41102.

D11-

D41101

Number of Policy In-Force 

Exposures (CY)

• Provide the total number of homeowners 

policies in force at the end of the reporting 

period (December 31) corresponding to the 

calendar year. 

• For the purposes of this field, an individual 

home should be counted once irrespective of the 

number of coverages that exist.

E11-

E41101

Total $ Value of Coverage for 

Dwelling, Other Structures, 

Personal Property, and Loss of 

Use (CY)

• Provide the aggregate estimated value of the 

insured exposure(s) recorded at the effective 

date of the policy or most recent renewal. 

• Data should be reported corresponding to the 

calendar year.

F11-

F41101

Number of Policies Not

Renewed or Retained (CY)

• Provide the total number of homeowners 

policies not renewed or retained at any time 

during the reporting period corresponding to the 

calendar year. 

• Number of Policies not Renewed or Retained 

for dwelling coverage defined for state 

regulatory purposes on the group’s MCAS for 

year of reporting at: Row 43 (Number of 

company-initiated non-renewals during the 

period) + Row 44 (Number of cancellations for 

non-pay or non-sufficient funds) + Row 45

(Number of cancellations at the insured’s 

request).

Section iii. Premiums

Cell(s) Field Name Comments

G11-

G41101 Direct Premiums Written (CY)

• Provide data in accordance with Direct 

Premiums Written as defined for state 

regulatory purposes on the Annual Statement at:

Exhibit of Premiums and Losses for States, Line 

4, Column 1. 

• Data should be reported in accordance with 

Statutory Accounting Principles on a CY basis.
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Section iv. Losses

Cell(s) Field Name Comments

H11-

H41101 Total Direct Losses Paid (AY) 

• Definition: Provide data matching the field

description of Total Direct Losses Paid as

reported for state regulatory purposes on the 

Annual Statement for year of reporting at:

Exhibit of Premiums and Losses for States, Line 

4, Column 5. 

• Reporting framework: Additionally, data 

should be reported cumulatively on an AY basis

as of December 31, 2022 and in accordance

with Statutory Accounting Principles. The AY 

reporting should be aligned with the 

methodology used for Schedule P – Part 3A.

I11-

I41101

Total Direct Incurred Losses

(AY)

• Definition: Provide data matching the field 

description of Total Direct Incurred Losses as

reported for state regulatory purposes on the 

Annual Statement for year of reporting at:

Exhibit of Premiums and Losses for States, Line 

4, Column 6.

• Reporting framework: Additionally, data 

should be reported cumulatively on an AY basis

as of December 31, 2022 and in accordance

with Statutory Accounting Principles. The AY 

reporting should be aligned with the 

methodology used for Schedule P – Part 2A.

Section v. Claims

Cell(s) Field Name Comments

J11-

J41101

Cumulative Number of Claims 

Closed with Loss Payment 

(Direct, AY)

• Definition: Provide data in accordance with 

Cumulative Number of Claims Closed with 

Loss Payment as defined for state regulatory 

purposes on the Annual Statement at: Schedule 

P – Part 5A – Section 1 – Summary Schedules.

Do not include any claims associated with 

assumed business. 

• Reporting framework: Data should be reported 

in accordance with Statutory Accounting 

Principles on an AY basis.