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Depopulation Resources
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Find the current depopulation offers, letters and statistics and the latest coverage worksheets for your depopulation needs. View the list of Takeout Companies that have been approved by the Office of Insurance Regulation (OIR) to participate in Citizens' Depopulation Program.
Personal (Depopulation Choices)
Sample Policyholder Choice letter, form and coverage worksheets are available under Personal Lines Letters and Personal Lines Coverage Worksheets.
06.17.25 - Mangrove
06.17.25 - Patriot Select
06.17.25 - Slide
04.15.25 - American Integrity
04.15.25 - Mangrove
04.15.25 - Slide
03.25.25 - American Integrity
03.25.25 - Slide
03.25.25 - Trident
02.18.25 - American Integrity
02.18.25 - Florida Peninsula
02.18.25 - Manatee
02.18.25 - Monarch
02.18.25 - Slide
02.18.25 - Southern Oak
02.18.25 - Tailrow
02.18.25 - Trident
12.17.24 - American Integrity
12.17.24 - Florida Peninsula
12.17.24 - Manatee
12.17.24 - Slide
12.17.24 - Trident
11.19.24 - American Integrity
11.19.24 - Manatee
11.19.24 - Monarch
11.19.24 - Orange
11.19.24 - Slide
11.19.24 - Trident
10.22.24 - American Integrity
10.22.24 - Florida Peninsula
10.22.24 - Homeowners Choice
10.22.24 - Manatee
10.22.24 - Monarch
10.22.24 - Slide
10.22.24 - Southern Oak
10.22.24 - TypTap
05.21.24 - American Integrity
05.21.24 - Security First
05.21.24 - Slide
Commercial (Depopulation Choices)
Commercial Nonresidential policies are not eligible for opt-out.
Sample Policyholder Choice Letter, form, and coverage worksheets are available under Commercial Lines Letters and Commercial Lines Coverage Worksheets.
05.20.25 - Slide
03.18.25 - Slide
01.21.25 - Manatee
01.21.25 - Slide
10.29.24 - American Coastal
10.29.24 - Condo Owners Reciprocal Exchange
10.29.24 - Manatee
10.29.24 - Slide
06.25.24 - Condo Owners Reciprocal Exchange
04.23.24 - Condo Owners Reciprocal Exchange
Personal Lines
Depopulation Packets
Policyholder Choice Offer* | En español (Eligible to Remain with Citizens)
Policyholder Depopulation Offer* | En español (Not Eligible to Remain with Citizens)
Notice of Assumption and Nonrenewal and Certificate of Assumption | En español
Remain with Citizens Confirmation Letter | En español
Unsuccessful Assumption Notice | En español
Commercial Lines
Depopulation Packets
Commercial Residential Policyholder Choice Offer* | En español
(Eligible to Remain with Citizens)
Commercial Residential Policyholder Depopulation Offer* | En español
(Not Eligible to Remain with Citizens)
Commercial Non-Residential Policyholder Depopulation Offer* | En español
(Not Eligible to Remain with Citizens)
Notice of Assumption and Nonrenewal and Certificate of Assumption | En español
Remain with Citizens Confirmation Letter (Commercial Residential Only) | En español
Commercial Residential Unsuccessful Assumption Notice | En español
Commercial Non-Residential Unsuccessful Assumption Notice | En español
*Includes letters and forms
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Exposure Removed 2007-2013
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2010-2015 Wind Exposure
2025 Tri-County Data - Commercial Lines
2025 Tri-County Data - Personal Lines
2024 Tri-County Data - Commercial Lines
2024 Tri-County Data - Personal Lines
2023 Tri-County Data
2022 Tri-County Data
2021 Tri-County Data
2020 Tri-County Data
2019 Tri-County Data
2018 Tri-County Data
Depopulation Resources - PL Coverage Information
Personal Lines Coverage Information
Below are companies participating in Citizens’ Depopulation Program. Expand each menu to find a link to the company’s website, a list of policy types with links to standard coverage details, and a side-by-side comparison with a Citizens policy.
Depopulation Resources - CL Coverage Worksheets
Commercial Lines Coverage Information
Below are companies participating in Citizens’ Depopulation Program. Expand each menu to find a link to the company’s website, a list of policy types with links to standard coverage details, and a side-by-side comparison with a Citizens policy.
Depopulation FAQ Search Button
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Video Series
Video Series
Learn about the Depopulation process with the video series: Understanding Citizens' Depopulation Program
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Online Choice Submission
Online Choice Selection
Policyholder Choice Selection
The Depopulation Packet you received indicates your policy’s eligibility to choose between coverage options.
Only policies that receive at least one offer of coverage that is less than 20% of Citizens’ estimated renewal premium are considered ineligible to remain with Citizens.
To submit your choice, you will need the following information:
- Policy number
- Registration code provided on your Offer Form
A step-by-step walk through of completing your company choice is available in this video Registering Your Company Choice.
Note: Commercial Nonresidential policies cannot elect to remain with Citizens. You either must accept the depopulation offer or rewrite coverage with another company.
Maintenance Outage (May 15-18)
Citizens systems will be undergoing extended maintenance beginning May 15, 2025, during which time Depopulation Choices cannot be submitted by Policyholders or Agents. These systems will be operational again on Monday, May 19, 2025.
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General Information
Depopulation Program Guide
Depopulation Plan (2017-2023)
Personal Lines Takeout Plan (2012-2016)
Commercial Lines Takeout Plan (2012-2016)
Takeout Company Claims Reimbursement Process
Takeout Company Contacts & Resources
Calendars
Personal Lines Agent/Policyholder (2025)
Personal Lines Takeout Company (2025)
Commercial Lines (2025)
Links
OIR Requirements for Participation
Policies in Force Snapshot