{"state":"FL","headline":"In 2023, Florida had 9.73% of the nation's homeowners' claims but 71.59% of its suits.","metrics":[{"year":2021,"pct_national_claims":6.91,"pct_national_suits":75.98,"dcc_total":null,"dcc_per_claim":null},{"year":2022,"pct_national_claims":14.93,"pct_national_suits":70.83,"dcc_total":null,"dcc_per_claim":992.89},{"year":2023,"pct_national_claims":9.73,"pct_national_suits":71.59,"dcc_total":null,"dcc_per_claim":null}],"report_date":"2026-01-01","data_as_of":"2026-01-01","source":"FL OIR Property Insurance Stability Report, January 2026","coverage_note":"Aggregate statewide FL figures only, admitted-market homeowners (an SB 2-D/2-A artifact with no cross-state analogue). claims/suits are the MCAS share of the nation opened in Florida; MCAS lags the DCC figures by ~2 years, so recent years may report DCC with claims/suits still null. Values are as printed.","note":"Free sample: the headline litigation ratio and the latest three years. The full series (with defense-cost figures) is the paid /v1/litigation endpoint."}