citizens property insurance corporation statewide...

CITIZENS PROPERTY INSURANCE CORPORATION Statewide Summary - NonSinkhole

SUMMARY OF INDICATED STATEWIDE RATE CHANGESWIND AND OTHER PERILSEXCLUDES SINKHOLE

(1) (2a) (2b) (3)12/31/2011

Total Indicated Inforce Uncapped

Premium Rate Change Indicated IndicatedProduct Type of at Current With Uncapped Capped

Line Policy Rate Level Risk Load Rate Change Rate IndicationPRM and PRW Homeowners 1,588,520,853 21.1% 10.4% 7.4%PRM and PRW Renters 6,535,307 32.5% 27.2% 9.6%PRM and PRW Condos Unit Owner 111,784,420 75.6% 50.9% 8.7%

PRM Dwelling-DP1 37,876,740 42.1% 27.3% 10.9%PRM and PRW Dwelling-DP3/DW2 404,851,814 41.9% 29.6% 9.1%PRM and PRW Mobile Home 96,079,244 4.6% -4.2% 2.8%PRM and PRW Mobile Home Dwelling 62,135,341 NA -0.5% 3.9%

PRM and PRW Total 2,307,783,719 27.2% 15.2% 7.5%

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CITIZENS PROPERTY INSURANCE CORPORATION Sinkhole Summary

SUMMARY OF INDICATED STATEWIDE RATE CHANGESSINKHOLE ONLY

(1) (2) (3)12/31/2011 12/31/2011

Total TotalInforce Inforce Indicated

Premium Sinkhole Premium UncappedProduct Type of at Current at Current Rate Change

Line Policy Rate Level Rate Level For Sinkhole OnlyPRM Homeowners - HO3 1,650,419,030 61,898,177 263.2%PRM Dwelling-DP1 38,823,700 946,960 162.9%PRM Dwelling-DP3 414,561,652 9,709,838 230.1%

PRM Total 2,103,804,383 72,554,975 254.9%

Notes:Citizens Board of Governors may choose to phase in these sinkhole indicated rate changes over several years.

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CITIZENS PROPERTY INSURANCE CORPORATION HO-3_Non-sinkhole

SUMMARY OF INDICATED HOMEOWNER TERRITORY RATE CHANGESPERSONAL RESIDENTIAL MULTI-PERIL AND PERSONAL RESIDENTIAL WIND-ONLY COMBINEDINDICATED RATE CHANGE FOR NON-SINKHOLE (Includes Wind and AOP, excludes sinkhole)HO-3

(1) (2) (3a) (3b) (4) (5) (6)12/31/2011 12/31/2011

New Policy-only Indicated Total Inforce Inforce Uncapped

Premium Premium Rate Change Indicated at Current at Current With Uncapped Capped Total New

Territory Territory Description Rate Level Rate Level Risk Load Rate Change Rate Change Policies Policies192 Alachua 955,320 364,100 -16.7% -18.1% 0.4% 620 236292 Baker 64,280 25,575 -16.1% -17.3% 0.4% 47 19601 Bay, Coastal 556,265 230,092 -8.9% -10.7% 8.9% 374 155721 Bay, Remainder 945,371 281,101 3.1% -4.1% 10.6% 546 162

59 Wind Bay 2,579,645 346,362 62.4% 39.6% 11.4% 1,570 211392 Bradford 57,267 27,583 -15.7% -17.2% 0.4% 30 1457 Brevard, Coastal 10,685,929 2,314,294 9.6% -0.4% 10.8% 5,216 1,13064 Brevard, Remainder 6,405,234 2,238,301 2.4% -5.2% 10.6% 4,354 1,522

60 Wind Brevard 3,285,271 163,167 43.7% 19.7% 11.4% 1,198 6035 Broward, Hllwd & Ft. Ldrdle 36,979,760 8,504,935 -12.6% -20.1% 0.8% 16,221 3,731361 Broward, Coastal 1,055,560 230,150 -36.0% -32.0% 0.3% 499 10937 Broward, Rem. Excl. Ft. L. & Hlywd 182,188,857 56,638,427 -2.8% -10.9% 0.8% 77,807 24,188

45 Wind Broward 5,782,502 258,485 70.7% 48.5% 11.4% 1,255 5646 Wind Broward 26,919,089 1,447,168 90.8% 69.9% 11.4% 7,447 40047 Wind Broward 26,866,330 1,075,559 73.0% 50.9% 11.4% 8,599 34448 Wind Broward 19,313,419 794,900 62.7% 39.9% 11.4% 8,075 332

193 Calhoun 19,281 10,429 -13.0% -14.9% 2.2% 11 6581 Charlotte, Coastal 3,549,234 1,164,657 -1.3% -8.9% 10.6% 2,251 739711 Charlotte, Remainder 10,405,565 3,479,000 -15.0% -23.3% 0.8% 5,677 1,898

61 Wind Charlotte 1,279,165 51,399 39.6% 15.3% 11.4% 550 22591 Citrus, Coastal 417,810 163,685 4.1% -2.7% 10.6% 243 95731 Citrus, Remainder 674,307 279,890 -14.5% -19.3% 0.6% 514 213492 Clay 439,967 181,932 -18.1% -20.3% 0.6% 370 153551 Collier, Remainder 6,482,158 2,822,645 -5.2% -10.3% 10.5% 2,766 1,204541 Collier, Coastal 3,134,957 1,049,666 -10.0% -17.0% 9.1% 1,150 385

62 Wind Collier 11,367,365 992,375 67.1% 44.6% 11.4% 4,508 394293 Columbia 140,465 54,271 -17.1% -17.6% 0.4% 77 3030 Dade, Miami Beach 2,413,151 425,040 -30.7% -26.6% 1.0% 859 15131 Dade, Coastal 1,753,188 301,262 -36.1% -32.1% 0.6% 648 11132 Dade, Miami 39,402,583 6,908,750 -1.5% -7.3% 4.9% 12,963 2,27333 Dade, Hialeah 28,476,184 6,459,545 23.6% 21.4% 1.3% 11,099 2,51834 Dade, Rem Excl H.,M.,M.B. 322,934,698 79,378,024 2.8% 0.3% 3.5% 118,297 29,078

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Territory Territory Description Rate Level Rate Level Risk Load Rate Change Rate Change Policies Policies22 Wind Dade 18,131,609 1,362,059 65.0% 42.4% 11.4% 2,693 20223 Wind Dade 10,767,566 560,026 52.8% 29.4% 11.4% 2,288 11924 Wind Dade 10,766,401 486,455 49.5% 25.8% 11.4% 3,010 13625 Wind Dade 16,607,860 822,914 35.7% 11.2% 11.4% 3,997 19826 Wind Dade 6,731,275 505,072 72.0% 49.8% 11.4% 1,484 11127 Wind Dade 30,684,906 1,856,382 57.6% 34.5% 11.4% 7,587 45928 Wind Dade 24,445,508 1,565,623 39.5% 15.2% 11.4% 6,689 42829 Wind Dade 3,741,707 317,910 41.8% 17.7% 11.4% 2,361 201

712 De Soto 221,978 104,823 3.8% -0.9% 10.3% 126 60592 Dixie, Coastal 98,294 28,921 -5.0% -10.0% 0.6% 52 15732 Dixie, Remainder 31,891 10,607 -10.7% -15.4% 0.6% 23 839 Duval, Jacksonville 2,159,699 934,485 -14.6% -16.1% 2.1% 1,768 76540 Duval, Remainder 12,288 8,356 -16.4% -16.8% 0.4% 10 741 Duval, Coastal 1,334,902 269,177 -7.7% -11.3% 10.4% 881 178

41 Wind Duval 864,143 47,154 54.2% 30.9% 11.4% 810 44602 Escambia, Coastal 171,652 38,673 -30.4% -25.5% 0.0% 83 1943 Escambia, Remainder 2,904,590 1,030,097 -8.4% -12.7% 10.5% 1,927 683

52 Wind Escambia 1,532,508 120,536 54.4% 31.1% 11.4% 616 4853 Wind Escambia 585,166 77,400 83.5% 62.1% 11.4% 392 5254 Wind Escambia 6,856,893 374,989 64.7% 42.0% 11.4% 4,725 258

531 Flagler, Coastal 132,806 42,093 -24.5% -20.0% 0.9% 118 37701 Flagler, Remainder 479,006 156,267 -16.1% -17.6% 2.4% 284 93

83 Wind Flagler 943,992 52,464 60.2% 37.3% 11.4% 1,040 58603 Franklin 154,369 59,504 -11.6% -12.8% 7.3% 86 33

65 Wind Franklin 2,020,744 263,825 61.0% 38.1% 11.4% 931 122393 Gadsden 256,654 73,354 -17.9% -21.6% 0.5% 229 65923 Gilchrist 94,942 39,710 -13.8% -14.3% 0.4% 63 26552 Glades 51,207 23,869 4.5% -2.2% 10.6% 31 14604 Gulf, Coastal 129,425 30,857 -7.5% -8.3% 7.0% 82 20722 Gulf, Remainder 22,164 7,246 -9.0% -14.3% 0.7% 13 4

66 Wind Gulf 1,088,378 137,751 59.0% 36.0% 11.4% 591 75493 Hamilton 21,027 10,213 -14.5% -16.7% 0.5% 14 7

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Territory Territory Description Rate Level Rate Level Risk Load Rate Change Rate Change Policies Policies713 Hardee 46,648 23,791 -3.9% -7.1% 9.1% 25 13553 Hendry 318,915 139,748 10.1% 4.1% 10.6% 161 71159 Hernando, Coastal 2,386,227 410,463 4.8% -0.4% 10.5% 2,871 494733 Hernando, Remainder 24,400,166 4,165,177 8.1% 3.4% 10.5% 28,059 4,790

56 Wind Hernando 1,050,533 27,059 64.1% 41.5% 11.4% 165 4714 Highlands 387,289 176,461 -0.1% -4.3% 9.4% 222 10147 Hillsborough, Tampa 25,770,602 9,816,043 3.5% -5.9% 10.7% 16,663 6,34780 Hillsborough, Excl. Tampa 50,805,144 22,166,037 -4.5% -10.0% 10.5% 35,896 15,661593 Holmes 108,336 59,796 -15.5% -18.2% 0.5% 77 43561 Indian River, Remainder 2,976,605 1,325,838 13.4% 4.0% 10.7% 1,561 695181 Indian River, Coastal 371,669 85,805 -33.7% -29.3% 0.2% 162 37

76 Wind Indian River 4,294,790 500,849 52.1% 28.6% 11.4% 1,363 159693 Jackson 164,373 76,115 -15.3% -17.7% 0.5% 134 62605 Jefferson, Coastal 1,131 961 -16.7% -17.5% 0.4% 1 1793 Jefferson, Remainder 53,899 20,362 -13.8% -16.4% 0.5% 36 14893 Lafayette 39,633 15,313 -13.4% -14.4% 0.4% 22 9692 Lake 818,569 394,553 -12.8% -15.8% 2.3% 589 284542 Lee, Coastal 1,326,072 303,797 -41.0% -37.4% 0.1% 1,050 241554 Lee, Remainder 20,174,429 7,856,280 -13.7% -19.7% 3.3% 10,905 4,247

17 Wind Lee 12,315,777 870,790 60.9% 38.0% 11.4% 4,424 31318 Wind Lee 2,761,800 180,840 42.8% 18.7% 11.4% 2,077 13619 Wind Lee 1,177,650 89,466 43.0% 19.0% 11.4% 593 4520 Wind Lee 702,935 44,589 42.4% 18.3% 11.4% 469 30

993 Leon 708,046 286,359 -16.6% -19.4% 0.5% 620 251594 Levy, Coastal 224,786 86,168 -11.3% -14.6% 0.5% 153 59734 Levy, Remainder 155,440 52,197 -19.8% -16.4% 0.6% 81 27

57 Wind Levy 228,881 23,279 60.9% 38.0% 11.4% 234 24931 Liberty 14,754 7,838 -11.8% -15.0% 0.5% 8 4932 Madison 68,371 34,592 -12.3% -13.0% 0.8% 42 21582 Manatee, Coastal 2,484,758 582,933 -1.1% -9.4% 10.6% 971 228735 Manatee, Remainder 10,949,261 3,937,470 2.2% -7.6% 10.7% 6,753 2,428

68 Wind Manatee 1,859,983 138,395 52.7% 29.3% 11.4% 674 50

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Territory Territory Description Rate Level Rate Level Risk Load Rate Change Rate Change Policies Policies792 Marion 1,527,168 732,712 -11.3% -14.0% 0.5% 1,024 49110 Martin, Remainder 6,292,383 2,887,437 16.9% 4.3% 10.9% 2,371 1,088182 Martin, Coastal 350,129 146,099 21.4% 6.9% 11.0% 55 23

5 Monroe, Excl. Key West 1,054,163 233,749 -36.0% -31.7% 0.1% 437 977 Monroe, Key West 65,673 15,029 -21.3% -17.9% 3.8% 26 6

90 Wind Monroe 34,364,056 2,497,229 166.7% 150.8% 11.4% 12,574 914532 Nassau, Coastal 505,705 88,059 -12.4% -16.2% 2.9% 288 50892 Nassau, Remainder 139,902 50,365 -17.7% -18.0% 0.3% 85 31

69 Wind Nassau 396,648 36,449 27.4% 2.3% 4.0% 407 37606 Okaloosa, Coastal 597,569 236,411 12.9% 4.4% 10.7% 217 86723 Okaloosa, Remainder 3,777,144 1,386,923 18.4% 7.9% 10.8% 1,757 645

70 Wind Okaloosa 918,733 103,141 59.3% 36.4% 11.4% 318 36555 Okeechobee 162,584 80,347 -0.9% -4.7% 10.0% 86 4349 Orange, Orlando 432,085 156,377 -12.2% -18.2% 0.7% 256 9390 Orange, Excl. Orlando 2,268,835 970,678 -10.7% -16.0% 0.6% 1,351 578511 Osceola 646,584 317,810 -14.2% -17.6% 1.1% 460 226362 Palm Beach, Coastal 1,992,233 468,067 -40.7% -37.4% 1.3% 1,013 23838 Palm Beach, Remainder 104,695,910 33,976,230 4.6% -4.4% 10.7% 53,668 17,417

94 Wind Palm Beach 10,980,134 716,707 71.5% 49.3% 11.4% 2,344 15395 Wind Palm Beach 24,815,607 1,167,239 76.9% 55.0% 11.4% 7,373 34796 Wind Palm Beach 28,747,229 1,517,231 83.9% 62.5% 11.4% 9,808 51897 Wind Palm Beach 10,110,523 492,598 58.6% 35.6% 11.4% 3,402 166

595 Pasco, Coastal 4,122,336 492,496 -19.7% -14.4% 0.5% 7,378 881736 Pasco, Remainder 47,669,103 9,792,494 12.2% 4.1% 10.7% 44,191 9,078

88 Wind Pasco 8,575,953 397,483 52.9% 29.5% 11.4% 1,027 4842 Pinellas, Coastal 3,610,786 684,137 -54.5% -52.2% 0.2% 3,248 61546 Pinellas - Saint Petersburg 39,969,406 9,465,113 21.1% 6.2% 11.0% 23,008 5,44981 Pinellas, Rem. Excl. Saint Petersburg 83,902,787 25,275,866 18.8% 6.7% 10.9% 55,280 16,653

42 Wind Pinellas 13,088,643 852,729 64.9% 42.3% 11.4% 5,023 32750 Polk 1,740,886 779,499 -15.4% -18.5% 5.3% 915 410992 Putnam 230,689 73,952 -6.6% -8.4% 6.9% 175 56533 Saint Johns, Coastal 1,356,853 244,516 -5.4% -10.4% 10.5% 816 147

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Territory Territory Description Rate Level Rate Level Risk Load Rate Change Rate Change Policies Policies702 Saint Johns, Remainder 724,186 230,834 -10.7% -16.7% 2.9% 584 186

71 Wind Saint Johns 748,481 36,669 57.6% 34.5% 11.4% 694 34562 Saint Lucie, Remainder 5,648,385 2,751,415 6.1% -2.7% 10.7% 3,120 1,520183 Saint Lucie, Coastal 341,328 92,594 -4.0% -6.6% 10.4% 141 38

77 Wind Saint Lucie 521,432 46,893 74.9% 52.9% 11.4% 293 26607 Santa Rosa, Coastal 20,563 11,652 -23.1% -19.1% 1.5% 12 7724 Santa Rosa, Remainder 3,045,467 1,094,373 12.9% 4.7% 10.7% 1,450 521

92 Wind Santa Rosa 1,986,802 155,185 69.4% 47.0% 11.4% 925 72583 Sarasota, Coastal 4,291,551 949,723 -51.8% -48.6% 0.2% 4,129 914715 Sarasota, Remainder 12,167,388 3,589,703 -5.9% -12.5% 10.6% 8,093 2,388

49 Wind Sarasota 15,051,783 1,348,796 63.1% 40.4% 11.4% 7,854 70450 Wind Sarasota 7,636,133 816,944 57.5% 34.4% 11.4% 7,238 77451 Wind Sarasota 2,654,390 317,350 31.3% 6.4% 8.0% 2,595 310

512 Seminole 1,063,996 426,038 -13.8% -18.4% 0.6% 605 242921 Sumter 329,064 184,048 -14.7% -16.4% 0.7% 231 129933 Suwannee 106,280 44,208 -17.6% -17.2% 0.3% 47 20596 Taylor, Coastal 161,424 60,372 -5.1% -10.7% 1.7% 100 37737 Taylor, Remainder 29,150 8,745 -8.5% -14.7% 0.7% 17 5922 Union 12,237 3,901 -16.4% -17.0% 0.4% 8 362 Volusia, Coastal 1,368,848 278,788 -34.3% -30.3% 0.7% 1,323 26963 Volusia, Remainder 5,630,817 1,275,224 -9.4% -13.6% 10.4% 4,958 1,123

14 Wind Volusia 5,974,519 570,413 43.9% 19.8% 11.4% 4,585 43815 Wind Volusia 2,633,179 101,631 51.3% 27.8% 11.4% 2,907 11216 Wind Volusia 289,045 8,029 22.6% -2.8% 1.8% 459 13

608 Wakulla, Coastal 53,846 17,436 -21.9% -20.1% 0.2% 42 14725 Wakulla, Remainder 77,213 34,746 -16.1% -18.3% 0.5% 51 23

58 Wind Wakulla 329,986 26,629 32.9% 8.2% 9.6% 316 26609 Walton, Coastal 491,191 179,530 -33.5% -29.1% 0.3% 300 110726 Walton, Remainder 207,634 88,245 -7.8% -14.1% 0.7% 108 46

75 Wind Walton 5,027,231 719,533 61.9% 39.1% 11.4% 2,037 292934 Washington 65,666 35,252 -14.9% -13.2% 0.4% 38 20

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Territory Territory Description Rate Level Rate Level Risk Load Rate Change Rate Change Policies PoliciesTotal 1,588,520,853 355,821,020 21.1% 10.4% 7.4% 753,547 180,731

Notes:(1) From Exhibit 7B, Column (4) of Territory Rate Indication.(2) = (6) / (5) * (1).

(3a) From Exhibit 7B, Column (9) of Territory Rate Indication. Excludes Impact of FHCF Buildup. Includes risk load.(3b) From Exhibit 7B, Column (9) of Territory Rate Indication. Excludes Impact of FHCF Buildup. Excludes risk load.(4) Indicated Capped Rate Change. Includes Impact of FHCF Buildup.(5) Total Policy Counts.(6) New Policy Counts.

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CITIZENS PROPERTY INSURANCE CORPORATION HO-3_sinkhole

SUMMARY OF INDICATED HOMEOWNER TERRITORY RATE CHANGESPERSONAL RESIDENTIAL MULTI-PERIL AND PERSONAL RESIDENTIAL WIND-ONLY COMBINEDINDICATED RATE CHANGE FOR SINKHOLE ONLYHO-3

(1) (2) (3) (4) (5)

12/31/2011Total Inforce Approved

Premium Indicated Current Indicated Averageat Current Uncapped Average Average Premium

Territory Territory Description Rate Level Rate Change Premium Premium Change192 Alachua 25,009 13.6% 55 62 0292 Baker 346 3.6% 25 26 22601 Bay, Coastal 4,578 -1.1% 22 22 19721 Bay, Remainder 5,128 -1.3% 21 21 15

59 Wind Bay 0 0.0% 0 0 n.a392 Bradford 480 3.6% 24 25 2157 Brevard, Coastal 76,834 -18.6% 23 18 1864 Brevard, Remainder 61,478 -16.8% 23 19 9

60 Wind Brevard 0 0.0% 0 0 n.a35 Broward, Hllwd & Ft. Ldrdle 223,987 -2.5% 22 22 21361 Broward, Coastal 6,961 24.5% 23 29 1137 Broward, Rem. Excl. Ft. L. & Hlywd 1,167,372 -17.2% 23 19 14

45 Wind Broward 0 0.0% 0 0 n.a46 Wind Broward 0 0.0% 0 0 n.a47 Wind Broward 0 0.0% 0 0 n.a48 Wind Broward 0 0.0% 0 0 n.a

193 Calhoun 96 3.1% 16 17 21581 Charlotte, Coastal 31,783 -10.2% 22 20 22711 Charlotte, Remainder 91,462 1.4% 22 22 19

61 Wind Charlotte 0 0.0% 0 0 n.a591 Citrus, Coastal 8,418 23.2% 45 55 45731 Citrus, Remainder 76,033 2.9% 259 267 0492 Clay 5,546 6.6% 23 25 19551 Collier, Remainder 39,493 35.6% 24 32 18541 Collier, Coastal 13,801 0.3% 22 22 11

62 Wind Collier 0 0.0% 0 0 n.a293 Columbia 1,239 2.3% 22 22 2130 Dade, Miami Beach 11,008 11.6% 22 25 631 Dade, Coastal 7,447 63.5% 21 34 532 Dade, Miami 174,163 -1.3% 22 22 2133 Dade, Hialeah 150,172 12.4% 22 25 2234 Dade, Rem Excl H.,M.,M.B. 1,619,173 -14.2% 22 19 21

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Territory Territory Description Rate Level Rate Change Premium Premium Change22 Wind Dade 0 0.0% 0 0 n.a23 Wind Dade 0 0.0% 0 0 n.a24 Wind Dade 0 0.0% 0 0 n.a25 Wind Dade 0 0.0% 0 0 n.a26 Wind Dade 0 0.0% 0 0 n.a27 Wind Dade 0 0.0% 0 0 n.a28 Wind Dade 0 0.0% 0 0 n.a29 Wind Dade 0 0.0% 0 0 n.a

712 De Soto 1,379 1.0% 22 22 20592 Dixie, Coastal 886 3.2% 23 23 17732 Dixie, Remainder 391 3.6% 22 23 1739 Duval, Jacksonville 27,275 -6.6% 23 22 2040 Duval, Remainder 109 3.6% 18 19 1941 Duval, Coastal 13,696 -4.5% 22 21 19

41 Wind Duval 0 0.0% 0 0 n.a602 Escambia, Coastal 952 2.1% 20 21 1143 Escambia, Remainder 19,235 -5.7% 23 22 22

52 Wind Escambia 0 0.0% 0 0 n.a53 Wind Escambia 0 0.0% 0 0 n.a54 Wind Escambia 0 0.0% 0 0 n.a

531 Flagler, Coastal 2,014 2.2% 23 23 20701 Flagler, Remainder 5,070 -0.6% 23 23 19

83 Wind Flagler 0 0.0% 0 0 n.a603 Franklin 758 2.0% 22 22 15

65 Wind Franklin 0 0.0% 0 0 n.a393 Gadsden 4,179 -0.7% 25 25 20923 Gilchrist 962 3.5% 22 23 22552 Glades 422 0.9% 28 28 22604 Gulf, Coastal 457 2.5% 19 20 12722 Gulf, Remainder 58 3.1% 19 20 16

66 Wind Gulf 0 0.0% 0 0 n.a493 Hamilton 259 -2.1% 29 28 22

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Territory Territory Description Rate Level Rate Change Premium Premium Change713 Hardee 258 2.1% 26 26 16553 Hendry 1,123 3.8% 20 21 20159 Hernando, Coastal 1,414,210 599.2% 1,392 9,733 169733 Hernando, Remainder 15,706,033 597.2% 1,379 9,613 441

56 Wind Hernando 0 0.0% 0 0 n.a714 Highlands 3,489 1.3% 23 23 2147 Hillsborough, Tampa 3,173,813 214.5% 263 826 12980 Hillsborough, Excl. Tampa 6,193,723 302.4% 265 1,065 25593 Holmes 269 3.1% 22 23 19561 Indian River, Remainder 15,899 4.0% 22 23 17181 Indian River, Coastal 1,950 0.0% 20 20 5

76 Wind Indian River 0 0.0% 0 0 n.a693 Jackson 1,271 2.7% 23 24 20605 Jefferson, Coastal 22 2.6% 22 22 n.a793 Jefferson, Remainder 458 3.1% 21 21 21893 Lafayette 465 3.1% 26 27 22692 Lake 64,782 -0.4% 155 154 0542 Lee, Coastal 12,872 -6.8% 22 20 21554 Lee, Remainder 152,629 -12.2% 23 20 22

17 Wind Lee 0 0.0% 0 0 n.a18 Wind Lee 0 0.0% 0 0 n.a19 Wind Lee 0 0.0% 0 0 n.a20 Wind Lee 0 0.0% 0 0 n.a

993 Leon 10,546 -0.3% 24 24 20594 Levy, Coastal 2,625 1.7% 22 23 17734 Levy, Remainder 1,138 2.2% 21 22 22

57 Wind Levy 0 0.0% 0 0 n.a931 Liberty 106 3.1% 18 18 14932 Madison 498 3.1% 22 22 22582 Manatee, Coastal 15,012 -7.0% 23 22 17735 Manatee, Remainder 113,513 -20.4% 22 18 20

68 Wind Manatee 0 0.0% 0 0 n.a

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Territory Territory Description Rate Level Rate Change Premium Premium Change792 Marion 33,445 126.6% 48 108 1010 Martin, Remainder 26,127 -6.2% 23 21 13182 Martin, Coastal 746 1.5% 23 24 0

5 Monroe, Excl. Key West 5,308 -2.5% 22 22 187 Monroe, Key West 282 3.6% 20 21 18

90 Wind Monroe 0 0.0% 0 0 n.a532 Nassau, Coastal 5,398 -0.5% 24 24 21892 Nassau, Remainder 1,244 3.1% 23 24 22

69 Wind Nassau 0 0.0% 0 0 n.a606 Okaloosa, Coastal 2,248 0.7% 20 20 15723 Okaloosa, Remainder 18,847 -5.5% 22 21 22

70 Wind Okaloosa 0 0.0% 0 0 n.a555 Okeechobee 861 -0.1% 21 21 2049 Orange, Orlando 4,395 0.2% 22 22 2290 Orange, Excl. Orlando 23,929 61.2% 23 37 21511 Osceola 7,573 1.1% 23 23 22362 Palm Beach, Coastal 12,550 19.0% 22 27 1238 Palm Beach, Remainder 762,061 -30.6% 23 16 21

94 Wind Palm Beach 0 0.0% 0 0 n.a95 Wind Palm Beach 0 0.0% 0 0 n.a96 Wind Palm Beach 0 0.0% 0 0 n.a97 Wind Palm Beach 0 0.0% 0 0 n.a

595 Pasco, Coastal 1,565,648 202.4% 1,382 4,179 255736 Pasco, Remainder 15,240,583 224.6% 1,494 4,849 150

88 Wind Pasco 0 0.0% 0 0 n.a42 Pinellas, Coastal 118,993 -13.8% 46 39 4746 Pinellas - Saint Petersburg 1,856,276 -16.1% 101 85 7481 Pinellas, Rem. Excl. Saint Petersburg 11,028,400 -11.7% 266 235 42

42 Wind Pinellas 0 0.0% 0 0 n.a50 Polk 15,726 80.6% 23 42 14992 Putnam 2,259 1.3% 23 23 19533 Saint Johns, Coastal 14,690 -4.7% 22 21 21

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(1) (2) (3) (4) (5)



Territory Territory Description Rate Level Rate Change Premium Premium Change702 Saint Johns, Remainder 10,480 -2.8% 23 22 22

71 Wind Saint Johns 0 0.0% 0 0 n.a562 Saint Lucie, Remainder 35,946 22.3% 22 27 7183 Saint Lucie, Coastal 1,321 0.6% 23 23 12

77 Wind Saint Lucie 0 0.0% 0 0 n.a607 Santa Rosa, Coastal 69 2.6% 23 23 16724 Santa Rosa, Remainder 13,382 -3.2% 22 21 15

92 Wind Santa Rosa 0 0.0% 0 0 n.a583 Sarasota, Coastal 59,276 -12.1% 22 19 22715 Sarasota, Remainder 125,766 -15.7% 22 19 20

49 Wind Sarasota 0 0.0% 0 0 n.a50 Wind Sarasota 0 0.0% 0 0 n.a51 Wind Sarasota 0 0.0% 0 0 n.a

512 Seminole 11,395 67.3% 23 38 17921 Sumter 3,677 -2.6% 20 20 21933 Suwannee 623 1.0% 21 21 13596 Taylor, Coastal 7,668 2.8% 147 152 0737 Taylor, Remainder 297 3.6% 30 31 18922 Union 158 3.6% 23 23 2262 Volusia, Coastal 21,342 -7.4% 22 21 2063 Volusia, Remainder 86,605 -19.6% 22 18 22

14 Wind Volusia 0 0.0% 0 0 n.a15 Wind Volusia 0 0.0% 0 0 n.a16 Wind Volusia 0 0.0% 0 0 n.a

608 Wakulla, Coastal 697 1.4% 23 24 15725 Wakulla, Remainder 671 -0.3% 25 25 18

58 Wind Wakulla 0 0.0% 0 0 n.a609 Walton, Coastal 3,292 -0.4% 20 20 14726 Walton, Remainder 833 3.0% 23 24 19

75 Wind Walton 0 0.0% 0 0 n.a934 Washington 273 -0.2% 25 25 21

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(1) (2) (3) (4) (5)



Territory Territory Description Rate Level Rate Change Premium Premium ChangeTotal 61,898,177 263.2% 172 624

Notes:(1) From Exhibit 4C, Column (1) of Territory Rate Indication.(2) From Exhibit 4C, Column (8) of Territory Rate Indication.(3) From Exhibit 4C, Column (4) of Territory Rate Indication.(4) From Exhibit 4C, Column (5) of Territory Rate Indication.(5) Approved sinkhole average premium change in 2012 rate filing.

Citizens Board of Governors may choose to phase in these sinkhole indicated rate changes over several years.

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CITIZENS PROPERTY INSURANCE CORPORATION HO-4

SUMMARY OF INDICATED RENTER TERRITORY RATE CHANGESPERSONAL RESIDENTIAL MULTI-PERIL AND PERSONAL RESIDENTIAL WIND-ONLY COMBINEDINDICATED RATE CHANGEHO-4

(1) (2) (3a) (3b) (4) (5) (6)12/31/2011 12/31/2011



Territory Territory Description Rate Level Rate Level Risk Load Rate Change Rate Change Policies Policies192 Alachua 53,616 34,321 6.2% 10.7% 10.0% 243 156292 Baker 813 461 14.2% 19.9% 10.0% 3 2601 Bay, Coastal 11,749 5,737 19.0% 18.8% 10.1% 47 23721 Bay, Remainder 21,619 12,028 18.0% 18.3% 10.1% 55 31

59 Wind Bay 3,165 897 62.1% 31.0% 10.6% 9 3392 Bradford 0 0 - - 0.0% 0 057 Brevard, Coastal 80,337 41,791 20.2% 17.5% 10.2% 250 13064 Brevard, Remainder 107,622 66,926 12.7% 10.1% 10.2% 462 287

60 Wind Brevard 19,399 8,245 62.1% 31.1% 10.6% 6 335 Broward, Hllwd & Ft. Ldrdle 147,927 83,623 4.5% 8.8% 8.9% 415 235361 Broward, Coastal 62,711 34,996 14.4% 21.7% 10.0% 230 12837 Broward, Rem. Excl. Ft. L. & Hlywd 302,470 191,254 12.7% 11.8% 10.1% 1,023 647

45 Wind Broward 67,724 18,421 62.1% 31.1% 10.6% 50 1446 Wind Broward 87,547 28,836 64.9% 34.1% 10.6% 80 2647 Wind Broward 67,468 19,410 64.1% 33.2% 10.6% 65 1948 Wind Broward 73,827 16,734 57.3% 26.0% 10.6% 150 34

193 Calhoun 0 0 - - 0.0% 0 0581 Charlotte, Coastal 11,010 7,019 20.4% 18.3% 10.2% 36 23711 Charlotte, Remainder 39,540 20,591 14.2% 13.3% 10.1% 142 74

61 Wind Charlotte 404 343 64.9% 34.1% 10.6% 1 1591 Citrus, Coastal 1,145 487 24.1% 17.4% 10.2% 2 1731 Citrus, Remainder 6,427 3,551 13.8% 17.1% 10.1% 20 11492 Clay 19,537 9,705 10.4% 15.3% 10.0% 77 38551 Collier, Remainder 84,701 51,520 30.3% 29.6% 10.1% 218 133541 Collier, Coastal 48,702 27,461 20.6% 20.6% 10.1% 101 57

62 Wind Collier 27,352 9,863 64.2% 33.3% 10.6% 33 12293 Columbia 456 129 13.6% 20.0% 10.0% 3 130 Dade, Miami Beach 74,256 40,780 8.6% 16.3% 10.0% 243 13331 Dade, Coastal 76,070 31,827 0.6% 7.6% 7.6% 193 8132 Dade, Miami 207,808 113,189 39.7% 46.8% 10.0% 451 24633 Dade, Hialeah 3,383 1,150 104.5% 106.5% 10.2% 5 234 Dade, Rem Excl H.,M.,M.B. 528,530 289,731 101.9% 112.3% 10.1% 935 513

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Territory Territory Description Rate Level Rate Level Risk Load Rate Change Rate Change Policies Policies22 Wind Dade 187,302 64,267 65.2% 34.4% 10.6% 109 3723 Wind Dade 107,207 46,639 59.2% 28.0% 10.6% 127 5524 Wind Dade 8,051 2,281 65.2% 34.4% 10.6% 9 325 Wind Dade 4,915 1,044 63.9% 33.0% 10.6% 8 226 Wind Dade 53,134 15,525 62.8% 31.8% 10.6% 32 927 Wind Dade 89,122 25,545 66.1% 35.3% 10.6% 86 2528 Wind Dade 38,207 14,706 64.6% 33.7% 10.6% 53 2029 Wind Dade 3,346 1,422 63.2% 32.3% 10.6% 18 8

712 De Soto 2,083 885 18.9% 21.5% 10.1% 6 3592 Dixie, Coastal 0 0 - - 0.0% 0 0732 Dixie, Remainder 0 0 - - 0.0% 0 039 Duval, Jacksonville 147,874 92,044 3.3% 7.6% 7.7% 706 43940 Duval, Remainder 2,928 2,323 12.7% 19.8% 10.0% 15 1241 Duval, Coastal 26,212 15,093 10.2% 14.4% 10.1% 93 54

41 Wind Duval 5,000 1,214 44.7% 12.5% 10.6% 14 3602 Escambia, Coastal 7,506 3,190 9.5% 17.3% 10.0% 24 1043 Escambia, Remainder 89,249 53,103 14.1% 12.8% 10.1% 300 179

52 Wind Escambia 8,564 5,567 66.1% 35.4% 10.6% 17 1153 Wind Escambia 849 721 62.9% 31.9% 10.6% 1 154 Wind Escambia 34,709 11,501 60.8% 29.7% 10.6% 59 20

531 Flagler, Coastal 3,263 1,261 12.7% 20.4% 10.0% 11 4701 Flagler, Remainder 13,537 6,994 12.3% 19.3% 10.0% 51 26

83 Wind Flagler 1,638 0 60.1% 28.9% 10.6% 2 0603 Franklin 211 0 21.0% 22.3% 10.1% 1 0

65 Wind Franklin 425 361 62.6% 31.6% 10.6% 2 2393 Gadsden 633 0 13.8% 20.0% 10.0% 2 0923 Gilchrist 0 0 - - 0.0% 0 0552 Glades 0 0 - - 0.0% 0 0604 Gulf, Coastal 2,213 752 17.8% 21.4% 10.1% 5 2722 Gulf, Remainder 0 0 - - 0.0% 0 0

66 Wind Gulf 658 280 62.3% 31.3% 10.6% 2 1493 Hamilton 0 0 - - 0.0% 0 0

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Territory Territory Description Rate Level Rate Level Risk Load Rate Change Rate Change Policies Policies713 Hardee 967 822 17.4% 21.2% 10.1% 3 3553 Hendry 645 548 23.0% 22.2% 10.1% 2 2159 Hernando, Coastal 6,422 3,447 14.3% 18.7% 10.1% 19 10733 Hernando, Remainder 30,424 17,473 10.4% 14.1% 10.1% 111 64

56 Wind Hernando 1,600 0 60.9% 29.7% 10.6% 1 0714 Highlands 2,570 1,529 17.5% 20.6% 10.1% 10 647 Hillsborough, Tampa 133,535 81,156 23.6% 25.1% 10.1% 400 24380 Hillsborough, Excl. Tampa 201,935 129,706 12.2% 14.1% 10.1% 794 510593 Holmes 0 0 - - 0.0% 0 0561 Indian River, Remainder 26,580 12,725 18.8% 16.6% 10.2% 87 42181 Indian River, Coastal 8,626 6,246 9.9% 17.6% 10.0% 27 20

76 Wind Indian River 11,769 4,547 65.3% 34.5% 10.6% 11 4693 Jackson 2,746 1,667 14.6% 19.9% 10.0% 7 4605 Jefferson, Coastal 0 0 - - 0.0% 0 0793 Jefferson, Remainder 0 0 - - 0.0% 0 0893 Lafayette 0 0 - - 0.0% 0 0692 Lake 20,611 12,779 12.2% 16.9% 10.0% 85 53542 Lee, Coastal 21,507 8,715 6.9% 13.6% 10.0% 86 35554 Lee, Remainder 192,203 109,497 16.5% 20.4% 10.1% 561 320

17 Wind Lee 13,649 5,495 63.5% 32.6% 10.6% 19 818 Wind Lee 13,976 2,376 60.7% 29.6% 10.6% 40 719 Wind Lee 1,666 202 59.0% 27.8% 10.6% 7 120 Wind Lee 529 225 59.5% 28.2% 10.6% 2 1

993 Leon 47,357 29,817 7.5% 12.0% 10.0% 243 153594 Levy, Coastal 481 409 16.4% 19.4% 10.1% 2 2734 Levy, Remainder 2,324 1,481 14.0% 20.0% 10.0% 4 3

57 Wind Levy 1,141 0 61.5% 30.5% 10.6% 4 0931 Liberty 0 0 - - 0.0% 0 0932 Madison 781 0 17.7% 23.8% 10.0% 1 0582 Manatee, Coastal 13,496 6,605 28.8% 22.0% 10.2% 33 16735 Manatee, Remainder 86,498 48,604 11.8% 11.8% 10.1% 357 201

68 Wind Manatee 1,664 354 64.8% 34.0% 10.6% 4 1

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Territory Territory Description Rate Level Rate Level Risk Load Rate Change Rate Change Policies Policies792 Marion 24,377 15,279 8.9% 13.9% 10.0% 99 6210 Martin, Remainder 37,662 22,729 30.0% 22.5% 10.2% 100 60182 Martin, Coastal 4,118 2,800 42.7% 27.8% 10.4% 5 3

5 Monroe, Excl. Key West 10,264 3,008 10.7% 17.5% 10.0% 29 97 Monroe, Key West 10,683 5,366 9.7% 17.4% 10.0% 44 22

90 Wind Monroe 51,984 15,781 73.8% 43.6% 10.6% 84 26532 Nassau, Coastal 9,723 6,040 15.3% 18.3% 10.1% 26 16892 Nassau, Remainder 5,194 3,784 14.0% 20.0% 10.0% 14 10

69 Wind Nassau 954 811 44.8% 12.5% 10.6% 2 2606 Okaloosa, Coastal 18,081 10,137 23.2% 21.3% 10.2% 47 26723 Okaloosa, Remainder 48,909 24,478 21.8% 18.4% 10.2% 107 54

70 Wind Okaloosa 1,362 579 62.9% 31.9% 10.6% 2 1555 Okeechobee 774 329 40.0% 40.9% 10.1% 2 149 Orange, Orlando 69,247 45,265 8.0% 12.6% 10.0% 381 24990 Orange, Excl. Orlando 163,442 100,828 11.6% 16.2% 10.0% 846 522511 Osceola 23,532 15,858 10.3% 14.7% 10.0% 111 75362 Palm Beach, Coastal 82,522 37,865 20.2% 28.3% 10.0% 226 10438 Palm Beach, Remainder 423,752 244,560 9.4% 5.3% 5.5% 1,408 813

94 Wind Palm Beach 117,604 32,191 67.7% 37.0% 10.6% 59 1695 Wind Palm Beach 123,504 36,379 65.1% 34.3% 10.6% 101 3096 Wind Palm Beach 68,583 12,573 62.2% 31.2% 10.6% 51 997 Wind Palm Beach 12,023 3,650 62.0% 30.9% 10.6% 14 4

595 Pasco, Coastal 8,983 4,386 13.4% 21.4% 10.0% 47 23736 Pasco, Remainder 80,080 50,221 15.7% 17.2% 10.1% 328 206

88 Wind Pasco 4,219 0 60.5% 29.3% 10.6% 7 042 Pinellas, Coastal 46,452 22,779 8.4% 15.9% 10.0% 182 8946 Pinellas - Saint Petersburg 130,220 76,234 18.3% 14.2% 10.2% 453 26581 Pinellas, Rem. Excl. Saint Petersburg 295,956 169,884 11.3% 6.3% 6.5% 1,272 730

42 Wind Pinellas 44,589 12,128 61.1% 30.0% 10.6% 50 1450 Polk 26,141 14,665 8.4% 12.9% 10.0% 100 56992 Putnam 1,650 1,169 15.6% 21.3% 10.0% 6 4533 Saint Johns, Coastal 33,315 18,574 14.0% 14.3% 10.1% 93 52

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Territory Territory Description Rate Level Rate Level Risk Load Rate Change Rate Change Policies Policies702 Saint Johns, Remainder 25,974 15,885 11.2% 15.0% 10.1% 82 50

71 Wind Saint Johns 5,029 1,221 44.4% 12.1% 10.6% 7 2562 Saint Lucie, Remainder 26,165 17,298 22.9% 19.6% 10.2% 72 48183 Saint Lucie, Coastal 6,955 4,299 21.5% 21.4% 10.1% 22 14

77 Wind Saint Lucie 3,332 1,416 65.6% 34.8% 10.6% 2 1607 Santa Rosa, Coastal 1,061 902 27.8% 23.6% 10.2% 2 2724 Santa Rosa, Remainder 53,928 29,098 25.1% 20.1% 10.2% 115 62

92 Wind Santa Rosa 3,899 2,210 68.0% 37.4% 10.6% 9 5583 Sarasota, Coastal 52,682 26,952 0.9% 7.6% 7.6% 211 108715 Sarasota, Remainder 141,883 73,491 19.1% 21.7% 10.1% 512 265

49 Wind Sarasota 58,293 16,145 60.9% 29.8% 10.6% 89 2550 Wind Sarasota 19,604 3,967 59.4% 28.2% 10.6% 63 1351 Wind Sarasota 5,593 1,945 58.0% 26.7% 10.6% 22 8

512 Seminole 79,194 49,921 4.5% 7.8% 7.8% 387 244921 Sumter 842 429 13.3% 18.9% 10.0% 5 3933 Suwannee 1,333 378 14.1% 19.9% 10.0% 3 1596 Taylor, Coastal 1,059 0 15.0% 19.9% 10.0% 1 0737 Taylor, Remainder 0 0 - - 0.0% 0 0922 Union 0 0 - - 0.0% 0 062 Volusia, Coastal 16,077 8,854 10.1% 17.6% 10.0% 71 3963 Volusia, Remainder 77,280 46,368 4.4% 7.8% 7.8% 374 224

14 Wind Volusia 7,261 2,274 58.9% 27.7% 10.6% 19 615 Wind Volusia 8,430 779 45.3% 13.1% 10.6% 46 416 Wind Volusia 453 128 44.5% 12.2% 10.6% 3 1

608 Wakulla, Coastal 0 0 - - 0.0% 0 0725 Wakulla, Remainder 414 352 18.7% 19.2% 10.1% 1 1

58 Wind Wakulla 454 0 46.9% 14.8% 10.6% 1 0609 Walton, Coastal 18,333 11,688 8.7% 16.3% 10.0% 48 31726 Walton, Remainder 1,902 808 23.0% 24.6% 10.1% 4 2

75 Wind Walton 15,153 4,293 61.8% 30.8% 10.6% 18 5934 Washington 976 553 15.1% 19.7% 10.1% 3 2

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(1) (2) (3a) (3b) (4) (5) (6)12/31/2011 12/31/2011



Territory Territory Description Rate Level Rate Level Risk Load Rate Change Rate Change Policies PoliciesTotal 6,535,307 3,356,156 32.5% 27.2% 9.6% 18,709 10,405


(3a) From Exhibit 7B, Column (9) of Territory Rate Indication. Excludes Impact of FHCF Buildup. Includes risk load.(3b) From Exhibit 7B, Column (9) of Territory Rate Indication. Excludes Impact of FHCF Buildup. Excludes risk load.(4) From Exhibit 7B, Column (17) of Territory Rate Indication. Includes Impact of FHCF Buildup.(5) Total Policy Counts.(6) New Policy Counts.

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SUMMARY OF INDICATED CONDO UNIT OWNER TERRITORY RATE CHANGESPERSONAL RESIDENTIAL MULTI-PERIL AND PERSONAL RESIDENTIAL WIND-ONLY COMBINEDINDICATED RATE CHANGEHO-6

(1) (2) (3a) (3b) (4) (5) (6)12/31/2011 12/31/2011



Territory Territory Description Rate Level Rate Level Risk Load Rate Change Rate Change Policies Policies192 Alachua 81,856 30,764 16.4% -2.5% 0.2% 242 91292 Baker 0 0 - - 0.0% 0 0601 Bay, Coastal 459,271 164,157 16.3% -1.4% 0.1% 1,151 411721 Bay, Remainder 19,986 10,811 59.0% 36.8% 10.3% 33 18

59 Wind Bay 1,199,000 142,853 112.8% 85.1% 10.9% 2,604 310392 Bradford 0 0 - - 0.0% 0 057 Brevard, Coastal 729,737 215,867 31.8% 12.5% 10.2% 1,589 47064 Brevard, Remainder 335,434 130,363 59.6% 36.8% 10.3% 713 277

60 Wind Brevard 630,512 72,533 117.6% 90.1% 10.9% 665 7735 Broward, Hllwd & Ft. Ldrdle 2,003,715 587,126 21.9% 2.1% 2.3% 4,154 1217361 Broward, Coastal 1,749,845 433,150 10.1% -9.2% 0.0% 4,282 106037 Broward, Rem. Excl. Ft. L. & Hlywd 12,089,945 4,033,765 54.9% 30.6% 10.2% 22,047 7356

45 Wind Broward 3,737,300 459,104 128.2% 101.6% 10.9% 2,145 26446 Wind Broward 1,514,717 194,299 147.4% 122.0% 10.9% 1,153 14847 Wind Broward 827,149 123,435 114.4% 86.9% 10.9% 843 12648 Wind Broward 680,313 198,885 114.6% 87.0% 10.9% 849 248

193 Calhoun 0 0 - - 0.0% 0 0581 Charlotte, Coastal 211,196 62,119 34.1% 13.8% 10.2% 315 93711 Charlotte, Remainder 342,715 112,041 52.5% 30.0% 10.3% 663 217

61 Wind Charlotte 358,527 46,314 115.4% 87.9% 10.9% 329 43591 Citrus, Coastal 18,716 4,772 52.2% 27.8% 10.5% 30 8731 Citrus, Remainder 21,512 7,896 44.4% 20.4% 10.3% 44 16492 Clay 18,385 8,169 21.0% 1.1% 1.2% 44 20551 Collier, Remainder 743,133 285,985 38.7% 18.1% 10.2% 1,164 448541 Collier, Coastal 1,228,325 400,351 16.6% -1.3% 0.2% 1,716 559

62 Wind Collier 3,672,310 467,665 109.4% 81.5% 10.9% 3,097 394293 Columbia 0 0 - - 0.0% 0 030 Dade, Miami Beach 1,073,348 299,186 9.5% -12.4% 0.0% 1,851 51631 Dade, Coastal 705,404 181,657 10.3% -8.2% 0.0% 1,416 36532 Dade, Miami 1,474,662 460,721 26.1% 5.4% 5.5% 2,990 93433 Dade, Hialeah 367,443 132,254 140.3% 103.8% 10.2% 725 26134 Dade, Rem Excl H.,M.,M.B. 6,139,587 2,010,325 97.3% 66.3% 10.1% 10,189 3336

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Territory Territory Description Rate Level Rate Level Risk Load Rate Change Rate Change Policies Policies22 Wind Dade 5,553,977 664,487 96.1% 67.3% 10.9% 3,126 37423 Wind Dade 5,020,179 613,161 125.0% 98.1% 10.9% 3,417 41724 Wind Dade 261,984 32,020 113.8% 86.2% 10.9% 153 1925 Wind Dade 76,165 6,718 127.8% 101.1% 10.9% 106 926 Wind Dade 767,599 82,228 106.9% 78.9% 10.9% 365 3927 Wind Dade 184,908 18,767 125.9% 99.1% 10.9% 201 2028 Wind Dade 217,484 31,319 102.7% 74.3% 10.9% 242 3529 Wind Dade 33,498 4,576 111.3% 83.5% 10.9% 56 8

712 De Soto 13,183 7,097 47.2% 25.1% 10.2% 30 16592 Dixie, Coastal 2,710 658 30.5% 9.2% 9.4% 7 2732 Dixie, Remainder 0 0 - - 0.0% 0 039 Duval, Jacksonville 135,582 47,417 24.0% 4.3% 4.4% 367 12840 Duval, Remainder 1,932 985 20.6% 0.7% 0.7% 5 341 Duval, Coastal 43,941 16,896 15.6% -3.3% 0.1% 84 32

41 Wind Duval 97,484 7,843 87.1% 57.7% 10.9% 243 20602 Escambia, Coastal 256,764 78,009 0.3% -16.3% 0.0% 498 15143 Escambia, Remainder 102,068 29,823 35.1% 15.2% 10.2% 192 56

52 Wind Escambia 753,518 89,690 168.1% 144.1% 10.9% 1,214 14553 Wind Escambia 9,673 1,430 127.4% 100.7% 10.9% 23 354 Wind Escambia 109,292 10,189 118.7% 91.4% 10.9% 155 14

531 Flagler, Coastal 21,101 5,724 13.1% -5.5% 0.0% 47 13701 Flagler, Remainder 14,391 5,352 25.6% 5.5% 5.6% 32 12

83 Wind Flagler 81,260 4,362 93.6% 64.7% 10.9% 190 10603 Franklin 7,270 2,648 23.9% 3.6% 3.7% 14 5

65 Wind Franklin 11,168 949 122.7% 95.7% 10.9% 10 1393 Gadsden 0 0 - - 0.0% 0 0923 Gilchrist 0 0 - - 0.0% 0 0552 Glades 0 0 - - 0.0% 0 0604 Gulf, Coastal 9,250 3,276 31.5% 10.3% 10.1% 12 4722 Gulf, Remainder 0 0 - - 0.0% 0 0

66 Wind Gulf 20,270 3,260 118.1% 90.7% 10.9% 37 6493 Hamilton 0 0 - - 0.0% 0 0

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(1) (2) (3a) (3b) (4) (5) (6)12/31/2011 12/31/2011



Territory Territory Description Rate Level Rate Level Risk Load Rate Change Rate Change Policies Policies713 Hardee 0 0 - - 0.0% 0 0553 Hendry 1,742 493 71.3% 48.0% 10.5% 3 1159 Hernando, Coastal 45,563 12,609 37.9% 15.3% 10.3% 86 24733 Hernando, Remainder 6,592 1,401 31.2% 9.8% 9.9% 16 3

56 Wind Hernando 0 0 - - 0.0% 0 0714 Highlands 12,543 5,514 58.3% 31.8% 10.3% 29 1347 Hillsborough, Tampa 689,033 265,047 56.3% 35.3% 10.3% 1,138 43880 Hillsborough, Excl. Tampa 808,237 298,498 54.0% 32.0% 10.3% 1,809 668593 Holmes 0 0 - - 0.0% 0 0561 Indian River, Remainder 241,912 75,396 52.5% 29.8% 10.4% 360 112181 Indian River, Coastal 181,251 45,980 0.8% -15.8% 0.0% 258 65

76 Wind Indian River 619,491 69,502 116.7% 89.3% 10.9% 447 50693 Jackson 0 0 - - 0.0% 0 0605 Jefferson, Coastal 0 0 - - 0.0% 0 0793 Jefferson, Remainder 0 0 - - 0.0% 0 0893 Lafayette 0 0 - - 0.0% 0 0692 Lake 15,602 4,537 32.5% 10.5% 10.2% 38 11542 Lee, Coastal 503,117 124,694 -2.8% -19.0% 0.0% 974 241554 Lee, Remainder 1,692,097 657,406 27.0% 11.0% 10.2% 3,483 1353

17 Wind Lee 2,078,044 197,857 137.5% 111.5% 10.9% 2,580 24618 Wind Lee 208,037 35,061 133.3% 106.9% 10.9% 348 5919 Wind Lee 99,286 13,204 125.0% 98.2% 10.9% 147 2020 Wind Lee 31,303 3,070 135.4% 109.2% 10.9% 52 5

993 Leon 35,390 8,523 19.3% -0.4% 0.1% 120 29594 Levy, Coastal 8,658 4,529 21.2% 1.2% 1.2% 13 7734 Levy, Remainder 0 0 - - 0.0% 0 0

57 Wind Levy 25,825 4,446 120.6% 93.4% 10.9% 79 14931 Liberty 0 0 - - 0.0% 0 0932 Madison 0 0 - - 0.0% 0 0582 Manatee, Coastal 441,804 157,200 32.2% 12.1% 10.2% 602 214735 Manatee, Remainder 793,103 305,261 35.9% 15.3% 10.3% 1,420 547

68 Wind Manatee 621,276 69,185 105.8% 77.6% 10.9% 603 67

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5 Monroe, Excl. Key West 132,114 34,229 4.7% -13.0% 0.0% 187 487 Monroe, Key West 26,052 5,536 12.6% -5.9% 0.0% 72 15

90 Wind Monroe 2,150,476 163,371 119.1% 91.2% 10.9% 2,372 180532 Nassau, Coastal 30,879 8,612 15.9% -3.2% 0.1% 64 18892 Nassau, Remainder 4,969 2,112 21.3% 1.3% 1.4% 12 5

69 Wind Nassau 134,091 12,938 78.6% 48.6% 10.9% 185 18606 Okaloosa, Coastal 254,842 104,624 10.6% -6.1% 0.1% 588 241723 Okaloosa, Remainder 75,145 37,720 68.2% 44.6% 10.4% 127 64

70 Wind Okaloosa 1,222,203 109,554 125.4% 98.5% 10.9% 2,200 197555 Okeechobee 220 0 66.1% 43.0% 10.4% 1 049 Orange, Orlando 192,540 72,170 40.8% 18.4% 10.1% 449 16890 Orange, Excl. Orlando 169,441 66,735 36.5% 15.2% 10.2% 423 167511 Osceola 107,309 38,167 35.7% 14.8% 10.1% 282 100362 Palm Beach, Coastal 1,817,598 418,502 -5.1% -21.2% 0.0% 2,957 68138 Palm Beach, Remainder 9,948,471 4,091,902 26.9% 5.0% 5.2% 15,615 6423

94 Wind Palm Beach 5,844,976 560,327 127.0% 100.2% 10.9% 2,527 24295 Wind Palm Beach 1,606,526 245,314 120.4% 93.2% 10.9% 1,297 19896 Wind Palm Beach 708,701 168,722 104.1% 75.8% 10.9% 939 22497 Wind Palm Beach 176,254 32,886 110.9% 83.0% 10.9% 205 38

595 Pasco, Coastal 149,790 26,659 4.7% -12.2% 0.0% 597 106736 Pasco, Remainder 650,246 177,552 21.1% 3.6% 3.7% 1,516 414

88 Wind Pasco 124,850 8,434 100.6% 72.0% 10.9% 151 1042 Pinellas, Coastal 1,353,561 363,265 3.0% -13.1% 0.0% 3,088 82946 Pinellas - Saint Petersburg 1,313,826 373,141 62.4% 39.2% 10.4% 2,508 71281 Pinellas, Rem. Excl. Saint Petersburg 3,843,193 1,166,230 50.5% 25.0% 10.3% 8,238 2500

42 Wind Pinellas 2,386,852 212,961 94.6% 65.6% 10.9% 2,315 20750 Polk 84,150 31,881 36.7% 13.9% 10.2% 175 66992 Putnam 1,336 568 31.8% 10.4% 10.2% 4 2533 Saint Johns, Coastal 163,228 44,280 18.4% -1.2% 0.1% 329 89

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71 Wind Saint Johns 284,695 28,496 88.6% 59.3% 10.9% 535 54562 Saint Lucie, Remainder 117,792 51,528 48.5% 25.5% 10.3% 239 105183 Saint Lucie, Coastal 292,257 84,178 24.5% 4.0% 4.1% 543 156

77 Wind Saint Lucie 282,014 27,220 134.8% 108.4% 10.9% 273 26607 Santa Rosa, Coastal 38,705 17,363 16.5% -2.5% 0.0% 72 32724 Santa Rosa, Remainder 29,676 8,246 33.3% 13.2% 10.2% 52 14

92 Wind Santa Rosa 200,956 17,398 139.9% 114.1% 10.9% 324 28583 Sarasota, Coastal 999,180 286,173 -4.4% -19.4% 0.0% 1,843 528715 Sarasota, Remainder 1,153,513 448,018 44.8% 23.7% 10.2% 1,788 694

49 Wind Sarasota 3,204,768 379,866 102.7% 74.4% 10.9% 2,976 35350 Wind Sarasota 470,336 50,112 104.4% 76.2% 10.9% 1,077 11551 Wind Sarasota 167,989 20,127 105.7% 77.6% 10.9% 376 45

512 Seminole 101,759 39,120 39.0% 16.1% 10.2% 241 93921 Sumter 4,096 1,934 30.5% 9.5% 9.6% 9 4933 Suwannee 0 0 - - 0.0% 0 0596 Taylor, Coastal 2,558 1,087 38.6% 16.1% 10.3% 2 1737 Taylor, Remainder 1,040 884 35.5% 13.5% 10.2% 1 1922 Union 0 0 - - 0.0% 0 062 Volusia, Coastal 490,657 116,531 4.2% -12.6% 0.0% 1,428 33963 Volusia, Remainder 169,664 47,345 30.5% 11.1% 10.1% 463 129

14 Wind Volusia 990,518 117,709 149.3% 123.8% 10.9% 1,967 23415 Wind Volusia 63,505 3,252 95.6% 66.8% 10.9% 166 916 Wind Volusia 72 0 86.9% 57.5% 10.9% 0 0

608 Wakulla, Coastal 591 502 18.1% -1.5% 0.0% 2 2725 Wakulla, Remainder 570 484 18.1% -1.5% 0.0% 1 1

58 Wind Wakulla 4,860 1,033 86.9% 57.5% 10.9% 8 2609 Walton, Coastal 345,772 131,127 3.4% -13.3% 0.0% 715 271726 Walton, Remainder 2,669 1,512 28.3% 8.0% 8.1% 3 2

75 Wind Walton 1,563,113 191,142 109.1% 81.1% 10.9% 2,558 313934 Washington 0 0 - - 0.0% 0 0

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CITIZENS PROPERTY INSURANCE CORPORATION MobileHome

SUMMARY OF MOBILE HOME -- MHO3, MW2PERSONAL RESIDENTIAL MULTI-PERIL AND PERSONAL RESIDENTIAL WIND-ONLY COMBINEDINDICATED RATE CHANGE

(1) (2) (3a) (3b) (4) (5) (6)12/31/2011 12/31/2011



Territory Territory Description Rate Level Rate Level Risk Load Rate Change Rate Change Policies Policies192 Alachua 78,141 2,491 -27.0% -29.3% 0.4% 80 3292 Baker 40,289 10,702 -31.0% -32.7% 0.4% 32 9601 Bay, Coastal 397,012 54,251 -8.2% -15.7% 0.8% 367 50721 Bay, Remainder 271,773 35,293 -18.9% -24.3% 0.7% 216 28

59 Wind Bay 112,267 984 30.4% 16.9% 11.0% 97 1392 Bradford 15,477 1,096 -26.8% -29.7% 0.5% 12 157 Brevard, Coastal 878,291 68,386 11.8% 3.0% 3.9% 655 5164 Brevard, Remainder 9,541,304 775,776 7.4% -2.7% 1.0% 5,248 427

60 Wind Brevard 118,093 0 38.6% 25.7% 11.0% 8 035 Broward, Hllwd & Ft. Ldrdle 221,291 37,378 12.4% 3.9% 4.8% 156 26361 Broward, Coastal 0 0 - - 0.0% 0 037 Broward, Rem. Excl. Ft. L. & Hlywd 7,166,563 844,844 4.4% -3.6% 0.9% 3,360 396

45 Wind Broward 0 0 - - 0.0% 0 046 Wind Broward 2,228 0 35.5% 22.3% 11.0% 0 047 Wind Broward 7,885 0 35.3% 22.2% 11.0% 3 048 Wind Broward 130,881 0 34.7% 21.5% 11.0% 29 0

193 Calhoun 6,740 4,583 -20.9% -25.7% 0.6% 5 3581 Charlotte, Coastal 1,523,273 183,427 1.7% -8.4% 1.0% 960 116711 Charlotte, Remainder 1,726,038 190,874 -1.3% -11.4% 1.0% 1,299 144

61 Wind Charlotte 13,418 0 43.2% 30.7% 11.0% 10 0591 Citrus, Coastal 124,871 14,427 -13.3% -20.0% 0.8% 103 12731 Citrus, Remainder 730,040 82,390 -19.9% -24.6% 0.6% 595 67492 Clay 177,130 6,949 -32.9% -34.6% 0.4% 130 5551 Collier, Remainder 1,908,450 162,946 19.5% 10.1% 10.8% 1,115 95541 Collier, Coastal 2,138,551 138,444 14.9% 4.8% 5.7% 1,313 85

62 Wind Collier 85,782 1,458 37.8% 24.9% 11.0% 50 1293 Columbia 44,957 4,131 -33.5% -34.4% 0.3% 37 330 Dade, Miami Beach 0 0 - - 0.0% 0 031 Dade, Coastal 0 0 - - 0.0% 0 032 Dade, Miami 1,025 0 -40.4% -36.3% 0.0% 2 033 Dade, Hialeah 26,429 1,605 18.7% 9.8% 10.6% 14 1

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Territory Territory Description Rate Level Rate Level Risk Load Rate Change Rate Change Policies Policies34 Dade, Rem Excl H.,M.,M.B. 2,799,168 319,345 20.5% 16.0% 10.6% 1,356 155

22 Wind Dade 0 0 - - 0.0% 0 023 Wind Dade 911 0 36.3% 23.2% 11.0% 0 024 Wind Dade 0 0 - - 0.0% 0 025 Wind Dade 0 0 - - 0.0% 0 026 Wind Dade 0 0 - - 0.0% 0 027 Wind Dade 0 0 - - 0.0% 0 028 Wind Dade 35,049 0 34.3% 21.1% 11.0% 12 029 Wind Dade 289,406 0 23.4% 9.5% 10.5% 115 0

712 De Soto 294,392 40,524 -5.3% -12.8% 0.8% 247 34592 Dixie, Coastal 33,527 4,750 -21.8% -26.1% 0.6% 24 3732 Dixie, Remainder 43,254 4,325 -20.8% -22.6% 0.4% 34 339 Duval, Jacksonville 327,648 32,879 -29.2% -32.4% 0.5% 288 2940 Duval, Remainder 4,578 0 -27.3% -29.3% 0.4% 3 041 Duval, Coastal 16,286 1,457 -20.5% -24.7% 0.6% 19 2

41 Wind Duval 0 0 - - 0.0% 0 0602 Escambia, Coastal 2,760 938 -44.1% -40.2% 0.0% 5 243 Escambia, Remainder 309,219 46,726 -10.3% -16.9% 0.8% 225 34

52 Wind Escambia 6,437 0 17.4% 3.0% 4.2% 4 053 Wind Escambia 2,282 0 18.7% 4.4% 5.6% 1 054 Wind Escambia 5,160 0 16.2% 1.7% 3.0% 4 0

531 Flagler, Coastal 21,514 1,784 -42.2% -39.7% 0.1% 41 3701 Flagler, Remainder 83,282 13,393 -18.4% -23.7% 0.6% 74 12

83 Wind Flagler 108,394 8,934 37.0% 24.0% 11.0% 165 14603 Franklin 72,904 16,026 -15.8% -20.2% 0.6% 58 13

65 Wind Franklin 30,519 895 17.6% 3.2% 4.4% 29 1393 Gadsden 50,044 11,260 -17.1% -22.2% 0.6% 34 8923 Gilchrist 18,938 2,300 -28.5% -30.6% 0.4% 14 2552 Glades 59,089 8,789 -5.7% -13.8% 0.9% 40 6604 Gulf, Coastal 29,806 5,630 -17.7% -22.3% 0.6% 27 5722 Gulf, Remainder 16,759 0 -15.4% -21.9% 0.7% 11 0

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Territory Territory Description Rate Level Rate Level Risk Load Rate Change Rate Change Policies Policies66 Wind Gulf 40,727 2,473 16.2% 1.7% 3.0% 42 3

493 Hamilton 2,882 817 -31.1% -32.2% 0.4% 3 1713 Hardee 34,390 6,960 -12.0% -17.8% 0.7% 42 9553 Hendry 253,345 54,950 -0.3% -8.5% 0.9% 145 31159 Hernando, Coastal 130,772 12,756 -14.4% -18.5% 0.6% 122 12733 Hernando, Remainder 1,081,173 169,313 -17.4% -22.0% 0.6% 1,015 159

56 Wind Hernando 14,811 839 17.9% 3.5% 4.7% 15 1714 Highlands 596,586 107,616 -12.3% -19.8% 0.8% 622 11247 Hillsborough, Tampa 105,054 10,014 -9.4% -16.8% 0.8% 107 1080 Hillsborough, Excl. Tampa 1,549,935 231,233 -6.9% -15.1% 0.9% 1,356 202593 Holmes 1,519 1,291 -21.0% -25.9% 0.6% 1 1561 Indian River, Remainder 1,681,185 219,081 0.4% -10.2% 1.0% 1,148 150181 Indian River, Coastal 961 817 11.3% 3.3% 4.1% 1 1

76 Wind Indian River 0 0 - - 0.0% 0 0693 Jackson 22,963 6,889 -24.0% -28.0% 0.6% 17 5605 Jefferson, Coastal 0 0 - - 0.0% 0 0793 Jefferson, Remainder 38,806 9,621 -29.2% -30.7% 0.4% 24 6893 Lafayette 3,347 0 -26.3% -28.1% 0.4% 3 0692 Lake 1,002,087 182,804 -13.5% -20.9% 0.8% 1,081 197542 Lee, Coastal 415,461 40,260 -35.5% -35.1% 0.2% 614 60554 Lee, Remainder 9,592,919 888,324 2.3% -8.0% 1.0% 6,049 560

17 Wind Lee 686,710 35,690 47.8% 35.6% 11.0% 507 2618 Wind Lee 241,587 7,720 37.5% 24.5% 11.0% 133 419 Wind Lee 0 0 - - 0.0% 0 020 Wind Lee 123,177 1,475 26.6% 12.9% 11.0% 71 1

993 Leon 203,065 22,077 -29.8% -31.5% 0.4% 172 19594 Levy, Coastal 103,425 11,096 -27.7% -30.4% 0.5% 103 11734 Levy, Remainder 103,741 19,289 -24.6% -28.2% 0.5% 96 18

57 Wind Levy 4,816 0 17.5% 3.1% 4.3% 8 0931 Liberty 5,295 3,001 -19.0% -24.6% 0.7% 3 2932 Madison 10,826 3,067 -29.0% -30.7% 0.4% 9 3

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Territory Territory Description Rate Level Rate Level Risk Load Rate Change Rate Change Policies Policies582 Manatee, Coastal 208,302 5,088 8.3% -0.1% 0.9% 174 4735 Manatee, Remainder 4,881,096 467,290 -0.6% -11.5% 1.0% 3,587 343

68 Wind Manatee 17,614 0 40.2% 27.4% 11.0% 7 0792 Marion 488,277 78,386 -19.9% -23.4% 0.5% 503 8110 Martin, Remainder 3,487,720 331,198 19.8% 10.2% 10.8% 2,193 208182 Martin, Coastal 22,400 1,120 23.7% 13.7% 10.8% 17 1

5 Monroe, Excl. Key West 164,205 25,847 -42.2% -38.9% 0.0% 216 347 Monroe, Key West 5,592 1,901 -10.2% -13.2% 0.5% 5 2

90 Wind Monroe 2,984,513 117,399 55.1% 43.3% 11.0% 1,491 59532 Nassau, Coastal 9,927 0 -23.4% -26.8% 0.5% 7 0892 Nassau, Remainder 104,694 10,138 -29.6% -32.4% 0.5% 79 8

69 Wind Nassau 0 0 - - 0.0% 0 0606 Okaloosa, Coastal 3,391 0 -7.8% -14.8% 0.8% 2 0723 Okaloosa, Remainder 86,717 8,935 -6.5% -14.3% 0.8% 66 7

70 Wind Okaloosa 0 0 - - 0.0% 0 0555 Okeechobee 468,332 87,693 3.5% -5.3% 0.9% 345 6549 Orange, Orlando 2,338 0 -21.3% -25.0% 0.5% 2 090 Orange, Excl. Orlando 490,422 69,205 -14.3% -19.7% 0.7% 512 72511 Osceola 362,455 50,111 -10.1% -17.3% 0.8% 332 46362 Palm Beach, Coastal 93,415 10,170 -42.6% -39.3% 0.0% 203 2238 Palm Beach, Remainder 4,930,908 520,430 1.2% -7.2% 0.9% 3,012 318

94 Wind Palm Beach 263,936 0 36.1% 23.0% 11.0% 47 095 Wind Palm Beach 126,850 4,401 35.0% 21.8% 11.0% 49 296 Wind Palm Beach 139,513 1,944 30.9% 17.5% 11.0% 61 197 Wind Palm Beach 3,923 0 23.1% 9.1% 10.1% 0 0

595 Pasco, Coastal 215,905 13,140 -46.2% -43.1% 0.0% 419 26736 Pasco, Remainder 1,584,017 212,156 -15.4% -21.6% 0.7% 1,301 174

88 Wind Pasco 334,853 11,385 21.0% 6.8% 7.9% 425 1442 Pinellas, Coastal 4,642 986 -5.6% -13.8% 0.9% 4 146 Pinellas - Saint Petersburg 343,077 33,450 -3.7% -12.5% 0.9% 340 3381 Pinellas, Rem. Excl. Saint Petersburg 5,657,741 639,694 -5.3% -14.4% 0.9% 5,706 645

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Territory Territory Description Rate Level Rate Level Risk Load Rate Change Rate Change Policies Policies42 Wind Pinellas 0 0 - - 0.0% 0 0

50 Polk 1,393,494 202,303 -10.1% -17.2% 0.8% 1,130 164992 Putnam 441,285 33,510 -22.7% -27.0% 0.6% 347 26533 Saint Johns, Coastal 111,945 16,246 -12.7% -19.6% 0.8% 82 12702 Saint Johns, Remainder 209,529 27,563 -22.2% -26.7% 0.6% 168 22

71 Wind Saint Johns 12,749 542 20.1% 5.9% 7.0% 20 1562 Saint Lucie, Remainder 5,777,785 642,830 6.5% -2.7% 1.0% 3,797 422183 Saint Lucie, Coastal 210,144 18,104 -35.8% -34.2% 0.2% 444 38

77 Wind Saint Lucie 711,299 23,344 51.4% 39.4% 11.0% 259 9607 Santa Rosa, Coastal 0 0 - - 0.0% 0 0724 Santa Rosa, Remainder 307,949 42,975 -7.1% -13.9% 0.8% 201 28

92 Wind Santa Rosa 0 0 - - 0.0% 0 0583 Sarasota, Coastal 895,132 114,447 -51.3% -48.9% 0.1% 1,795 230715 Sarasota, Remainder 2,708,793 290,947 -2.4% -12.2% 1.0% 2,018 217

49 Wind Sarasota 587,520 40,336 46.2% 33.8% 11.0% 520 3650 Wind Sarasota 1,723,017 218,799 47.5% 35.3% 11.0% 1,901 24151 Wind Sarasota 171,537 7,905 21.9% 7.8% 8.8% 166 8

512 Seminole 179,406 28,240 -13.6% -20.0% 0.7% 189 30921 Sumter 140,962 23,379 -17.2% -22.5% 0.7% 123 20933 Suwannee 25,818 3,135 -30.9% -32.2% 0.4% 21 3596 Taylor, Coastal 79,709 11,682 -19.3% -25.1% 0.7% 58 9737 Taylor, Remainder 18,280 3,330 -27.2% -29.5% 0.4% 14 3922 Union 6,939 0 -27.9% -30.2% 0.4% 6 062 Volusia, Coastal 10,082 0 -4.7% -11.8% 0.8% 9 063 Volusia, Remainder 1,985,612 342,562 -3.8% -11.4% 0.8% 1,685 291

14 Wind Volusia 776 0 20.9% 6.7% 7.8% 0 015 Wind Volusia 181,642 18,895 22.3% 8.3% 9.3% 286 3016 Wind Volusia 0 0 - - 0.0% 0 0

608 Wakulla, Coastal 28,594 2,964 -31.2% -32.7% 0.4% 41 4725 Wakulla, Remainder 137,387 15,491 -29.7% -32.1% 0.4% 98 11

58 Wind Wakulla 41,192 0 14.6% 0.0% 1.3% 34 0

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Territory Territory Description Rate Level Rate Level Risk Load Rate Change Rate Change Policies Policies609 Walton, Coastal 59,427 11,225 -36.1% -34.5% 0.2% 99 19726 Walton, Remainder 68,395 8,847 -10.8% -18.5% 0.8% 46 6

75 Wind Walton 149,620 4,939 16.5% 2.1% 3.3% 103 3934 Washington 15,361 1,187 -19.4% -24.9% 0.7% 11 1

Total 96,079,244 10,049,652 4.6% -4.2% 2.8% 69,011 7,497



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CITIZENS PROPERTY INSURANCE CORPORATION Mobile Home Dwelling

SUMMARY OF MOBILE HOME DWELLING -- MDP1, MD1PERSONAL RESIDENTIAL MULTI-PERIL AND PERSONAL RESIDENTIAL WIND-ONLY COMBINEDINDICATED RATE CHANGE

(1) (2) (3) (4) (5) (6)12/31/2011 12/31/2011

New Policy-only Total Inforce Inforce

Premium Premium Indicated at Current at Current Uncapped Capped Total New

Territory Territory Description Rate Level Rate Level Rate Change Rate Change Policies Policies192 Alachua 420,531 59,507 -15.7% 0.4% 871 123292 Baker 163,719 27,992 -26.6% 0.3% 348 60601 Bay, Coastal 480,305 58,993 0.0% 0.7% 609 75721 Bay, Remainder 928,344 116,657 -19.4% 0.5% 1,549 195

59 Wind Bay 50,467 1,430 26.2% 10.9% 30 1392 Bradford 150,202 20,930 -12.6% 0.3% 305 4357 Brevard, Coastal 149,217 23,782 4.4% 5.2% 176 2864 Brevard, Remainder 2,300,598 437,861 16.5% 10.8% 2,894 551

60 Wind Brevard 11,019 0 23.9% 11.0% 0 035 Broward, Hllwd & Ft. Ldrdle 255,440 75,249 9.3% 10.2% 277 82361 Broward, Coastal 101 0 -35.4% 0.0% 1 037 Broward, Rem. Excl. Ft. L. & Hlywd 3,260,723 589,269 7.8% 8.7% 3,109 562

45 Wind Broward 867 0 33.2% 11.0% 0 046 Wind Broward 0 0 34.0% n.a. 0 047 Wind Broward 5,193 0 19.3% 11.0% 0 048 Wind Broward 121,857 0 40.5% 11.0% 11 0

193 Calhoun 86,958 18,271 -19.7% 0.4% 178 37581 Charlotte, Coastal 459,817 65,400 4.7% 5.5% 502 71711 Charlotte, Remainder 970,598 136,413 -1.5% 0.7% 1,137 160

61 Wind Charlotte 7,839 0 23.8% 11.0% 2 0591 Citrus, Coastal 129,437 19,955 -16.8% 0.7% 204 31731 Citrus, Remainder 1,209,579 180,010 -8.8% 0.6% 2,416 360492 Clay 563,809 88,468 -15.7% 0.4% 1,143 179551 Collier, Remainder 704,793 162,899 19.7% 10.9% 787 182541 Collier, Coastal 383,687 91,591 7.6% 8.4% 381 91

62 Wind Collier 22,604 0 17.2% 11.0% 11 0293 Columbia 335,847 57,406 -18.7% 0.3% 731 12530 Dade, Miami Beach 0 0 28.7% n.a. 0 031 Dade, Coastal 216 0 -35.5% 0.0% 1 032 Dade, Miami 4,378 0 15.2% 11.0% 2 033 Dade, Hialeah 4,671 0 9.0% 9.9% 5 034 Dade, Rem Excl H.,M.,M.B. 271,208 75,927 8.2% 8.9% 252 71

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Territory Territory Description Rate Level Rate Level Rate Change Rate Change Policies Policies22 Wind Dade 1,819 0 33.1% 11.0% 0 023 Wind Dade 966 0 32.8% 11.0% 0 024 Wind Dade 0 0 34.0% n.a. 0 025 Wind Dade 0 0 19.2% n.a. 0 026 Wind Dade 2,065 0 34.3% 11.0% 0 027 Wind Dade 0 0 34.0% n.a. 0 028 Wind Dade 6,652 0 21.3% 11.0% 1 029 Wind Dade 40,036 0 13.7% 11.0% 5 0

712 De Soto 205,757 26,536 2.8% 3.5% 290 37592 Dixie, Coastal 87,673 18,782 -20.5% 0.6% 123 26732 Dixie, Remainder 183,272 28,530 -20.7% 0.4% 344 5439 Duval, Jacksonville 594,853 105,411 -19.1% 0.4% 1,463 25940 Duval, Remainder 8,919 948 -21.2% 0.4% 16 241 Duval, Coastal 15,182 2,581 -14.9% 0.7% 20 3

41 Wind Duval 0 0 18.5% n.a. 0 0602 Escambia, Coastal 726 0 -34.8% 0.0% 3 043 Escambia, Remainder 1,049,818 108,976 -4.2% 0.6% 1,564 162

52 Wind Escambia 1,871 0 17.7% 11.0% 1 053 Wind Escambia 2,124 0 20.2% 11.0% 0 054 Wind Escambia 4,956 0 16.8% 10.9% 0 0

531 Flagler, Coastal 10,105 1,171 -36.8% 0.0% 44 5701 Flagler, Remainder 100,389 14,400 -17.9% 0.6% 160 23

83 Wind Flagler 12,518 1,064 23.9% 10.9% 10 1603 Franklin 99,828 14,234 -1.7% 0.7% 155 22

65 Wind Franklin 30,094 0 14.7% 11.0% 3 0393 Gadsden 264,780 36,529 -14.1% 0.3% 573 79923 Gilchrist 274,840 39,747 -18.8% 0.4% 576 83552 Glades 157,425 26,093 7.1% 7.9% 200 33604 Gulf, Coastal 41,648 5,418 -9.3% 0.5% 98 13722 Gulf, Remainder 93,202 14,231 -13.6% 0.5% 167 26

66 Wind Gulf 22,026 0 14.7% 11.0% 8 0493 Hamilton 69,751 4,941 -26.8% 0.3% 144 10

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Territory Territory Description Rate Level Rate Level Rate Change Rate Change Policies Policies713 Hardee 101,291 23,530 -1.2% 0.6% 161 37553 Hendry 359,943 60,073 5.3% 6.0% 438 73159 Hernando, Coastal 103,563 12,870 -7.9% 0.4% 171 21733 Hernando, Remainder 1,268,752 174,580 -7.2% 0.5% 2,125 292

56 Wind Hernando 4,704 0 20.0% 10.9% 0 0714 Highlands 371,436 82,524 -0.4% 0.7% 593 13247 Hillsborough, Tampa 63,699 7,273 1.3% 2.0% 134 1580 Hillsborough, Excl. Tampa 3,188,796 387,446 -1.8% 0.7% 4,953 602593 Holmes 136,444 28,890 -15.7% 0.4% 277 59561 Indian River, Remainder 222,614 31,869 4.0% 4.8% 285 41181 Indian River, Coastal 0 0 15.9% n.a. 0 0

76 Wind Indian River 0 0 19.2% n.a. 0 0693 Jackson 347,023 57,978 -14.7% 0.4% 697 116605 Jefferson, Coastal 0 0 -7.2% n.a. 0 0793 Jefferson, Remainder 95,665 12,077 -25.3% 0.3% 202 26893 Lafayette 67,246 9,788 -25.5% 0.3% 146 21692 Lake 1,370,652 259,805 -7.7% 0.7% 2,435 462542 Lee, Coastal 129,260 14,154 -33.2% 0.1% 458 50554 Lee, Remainder 5,482,123 1,135,040 18.8% 10.9% 7,439 1,540

17 Wind Lee 115,642 10,347 27.1% 11.0% 19 218 Wind Lee 107,666 0 27.9% 11.0% 21 019 Wind Lee 0 0 18.5% n.a. 0 020 Wind Lee 69,382 0 32.2% 11.0% 2 0

993 Leon 350,268 47,479 -17.6% 0.5% 834 113594 Levy, Coastal 179,687 27,444 -20.6% 0.5% 256 39734 Levy, Remainder 544,550 93,275 -17.8% 0.5% 923 158

57 Wind Levy 4,565 0 17.2% 10.9% 2 0931 Liberty 63,400 11,976 -20.3% 0.4% 153 29932 Madison 87,768 15,241 -15.1% 0.2% 186 32582 Manatee, Coastal 69,503 5,049 2.1% 2.8% 117 9735 Manatee, Remainder 3,420,445 456,810 2.3% 3.2% 5,238 700

68 Wind Manatee 7,748 0 21.7% 11.0% 4 0

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Territory Territory Description Rate Level Rate Level Rate Change Rate Change Policies Policies792 Marion 1,229,577 234,796 -2.7% 0.5% 2,466 47110 Martin, Remainder 366,617 62,325 5.0% 5.9% 350 60182 Martin, Coastal 4,657 0 1.1% 1.7% 6 0

5 Monroe, Excl. Key West 137,839 17,564 -40.1% 0.0% 567 727 Monroe, Key West 1,622 551 -35.2% 0.0% 10 3

90 Wind Monroe 636,953 18,847 43.7% 11.0% 316 9532 Nassau, Coastal 10,931 1,956 -16.1% 0.6% 19 3892 Nassau, Remainder 650,261 66,149 -24.3% 0.4% 1,245 127

69 Wind Nassau 0 0 -4.0% n.a. 0 0606 Okaloosa, Coastal 5,178 880 8.1% 9.0% 5 1723 Okaloosa, Remainder 395,253 63,485 -13.7% 0.6% 598 96

70 Wind Okaloosa 0 0 18.5% n.a. 0 0555 Okeechobee 405,415 77,570 8.0% 8.7% 502 9649 Orange, Orlando 3,566 0 -12.1% 0.6% 6 090 Orange, Excl. Orlando 392,061 65,906 -11.4% 0.6% 627 105511 Osceola 465,345 64,404 4.6% 5.3% 694 96362 Palm Beach, Coastal 8,333 1,203 -39.0% 0.0% 53 838 Palm Beach, Remainder 529,667 77,879 2.9% 3.6% 607 89

94 Wind Palm Beach 29,164 0 37.1% 11.0% 5 095 Wind Palm Beach 5,871 0 35.5% 11.0% 1 096 Wind Palm Beach 15,703 0 17.6% 11.0% 5 097 Wind Palm Beach 557 0 19.8% 11.0% 0 0

595 Pasco, Coastal 152,254 18,442 -37.9% 0.1% 807 98736 Pasco, Remainder 4,342,343 464,679 -12.7% 0.5% 7,260 777

88 Wind Pasco 115,898 2,142 20.4% 10.9% 46 142 Pinellas, Coastal 1,058 899 -5.6% 0.5% 3 346 Pinellas - Saint Petersburg 289,910 36,278 1.7% 2.4% 557 7081 Pinellas, Rem. Excl. Saint Petersburg 4,511,131 511,687 -1.4% 0.8% 8,408 954

42 Wind Pinellas 0 0 18.5% n.a. 0 050 Polk 2,863,096 436,415 10.6% 10.7% 5,108 779992 Putnam 769,057 128,249 -12.7% 0.5% 1,575 263533 Saint Johns, Coastal 103,351 15,752 4.1% 4.9% 145 22

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Territory Territory Description Rate Level Rate Level Rate Change Rate Change Policies Policies702 Saint Johns, Remainder 513,569 83,967 -19.4% 0.6% 915 150

71 Wind Saint Johns 4,771 0 23.1% 10.8% 9 0562 Saint Lucie, Remainder 293,370 61,963 2.3% 3.0% 330 70183 Saint Lucie, Coastal 55,243 8,334 -34.1% 0.1% 231 35

77 Wind Saint Lucie 102,347 0 31.0% 11.0% 19 0607 Santa Rosa, Coastal 0 0 16.3% n.a. 0 0724 Santa Rosa, Remainder 1,007,233 121,273 -1.9% 0.7% 1,419 171

92 Wind Santa Rosa 0 0 18.5% n.a. 0 0583 Sarasota, Coastal 267,511 45,140 -49.0% 0.0% 1,214 205715 Sarasota, Remainder 1,951,869 301,072 3.7% 4.6% 2,860 441

49 Wind Sarasota 55,590 4,109 27.8% 11.0% 23 250 Wind Sarasota 180,628 24,370 27.7% 11.0% 63 951 Wind Sarasota 38,485 0 21.7% 11.0% 2 0

512 Seminole 198,875 30,396 -10.0% 0.7% 317 48921 Sumter 330,151 51,193 -11.5% 0.6% 603 94933 Suwannee 319,560 46,217 -23.1% 0.3% 670 97596 Taylor, Coastal 160,309 33,599 -19.9% 0.5% 219 46737 Taylor, Remainder 125,584 19,953 -23.9% 0.3% 214 34922 Union 81,094 11,412 -25.8% 0.3% 151 2162 Volusia, Coastal 2,145 0 7.1% 7.9% 3 063 Volusia, Remainder 1,511,362 245,847 -1.4% 0.7% 2,341 381

14 Wind Volusia 342 0 18.7% 10.9% 0 015 Wind Volusia 84,100 0 23.4% 10.9% 10 016 Wind Volusia 889 0 18.9% 10.9% 0 0

608 Wakulla, Coastal 51,332 3,878 -17.2% 0.7% 90 7725 Wakulla, Remainder 325,894 47,954 -25.2% 0.4% 543 80

58 Wind Wakulla 11,275 0 -2.2% 0.7% 3 0609 Walton, Coastal 36,463 5,771 -29.1% 0.1% 145 23726 Walton, Remainder 493,866 105,085 -17.6% 0.5% 755 161

75 Wind Walton 89,935 2,548 14.1% 11.0% 30 1934 Washington 227,725 42,080 -16.8% 0.4% 437 81

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Territory Territory Description Rate Level Rate Level Rate Change Rate Change Policies PoliciesTotal 62,135,341 9,387,338 -0.5% 3.9% 97,776 14,788

Notes:(1) [Exhibit 9, Column (5) of Territorial Rate Analysis].

Includes the 15% catastrophe financing surcharge for the PRW, but excludes all other policyholder surcharges and the FHCF buildup premium.(2) = (6) / (5) * (1).(3) [Exhibit 9, Column (9) of Territorial Rate Analysis].(4) From Exhibit 10, Page 3, Column (7) of Territorial Rate Analysis. Includes impact of FHCF buildup.(5) Total Policy Counts.(6) New Policy Counts.

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CITIZENS PROPERTY INSURANCE CORPORATION DP1 non-Sinkhole

SUMMARY OF INDICATED DWELLING - DP1 TERRITORY RATE CHANGESPERSONAL RESIDENTIAL MULTI-PERIL AND PERSONAL RESIDENTIAL WIND-ONLY COMBINEDINDICATED RATE CHANGE FOR NON-SINKHOLE (Includes Wind and AOP, excludes sinkhole)

(1) (2) (3a) (3b) (4) (5) (6)12/31/2011 12/31/2011



Territory Territory Description Rate Level Rate Level Risk Load Rate Change Rate Change Policies Policies192 Alachua 71,453 21,799 9.0% 7.5% 7.9% 118 36292 Baker 8,779 2,926 10.2% 8.3% 8.7% 15 5601 Bay, Coastal 79,773 22,965 20.8% 11.1% 10.8% 132 38721 Bay, Remainder 238,810 57,644 35.8% 18.3% 11.2% 261 63

59 Wind Bay 77,248 0 60.8% 34.7% 11.7% 0 0392 Bradford 12,988 2,435 18.0% 16.5% 10.4% 16 357 Brevard, Coastal 240,354 42,062 37.2% 21.0% 11.1% 200 3564 Brevard, Remainder 588,626 165,822 35.2% 22.9% 10.9% 678 191

60 Wind Brevard 30,176 0 67.1% 41.5% 11.7% 0 035 Broward, Hllwd & Ft. Ldrdle 818,968 250,884 35.1% 20.7% 11.0% 1,025 314361 Broward, Coastal 23,193 5,885 -13.3% -7.9% 0.0% 67 1737 Broward, Rem. Excl. Ft. L. & Hlywd 2,432,456 880,786 37.7% 21.8% 11.1% 2,422 877

45 Wind Broward 48,770 0 93.4% 69.7% 11.8% 0 046 Wind Broward 63,511 0 92.6% 68.8% 11.8% 0 047 Wind Broward 194,534 0 93.7% 69.9% 11.7% 0 048 Wind Broward 695,191 0 71.4% 46.1% 11.7% 0 0

193 Calhoun 10,613 758 15.4% 10.8% 10.5% 14 1581 Charlotte, Coastal 144,561 37,903 31.0% 17.6% 11.0% 164 43711 Charlotte, Remainder 373,684 100,472 34.4% 21.3% 11.0% 424 114

61 Wind Charlotte 11,329 0 64.6% 38.9% 11.7% 0 0591 Citrus, Coastal 36,947 9,535 29.7% 18.2% 10.9% 31 8731 Citrus, Remainder 166,836 81,942 22.2% 13.2% 10.8% 226 111492 Clay 25,755 10,412 14.1% 11.0% 10.5% 47 19551 Collier, Remainder 347,661 176,387 37.8% 23.1% 11.1% 272 138541 Collier, Coastal 161,348 44,272 33.9% 20.2% 11.0% 164 45

62 Wind Collier 32,971 0 67.5% 41.9% 11.7% 0 0293 Columbia 27,262 9,087 16.6% 18.0% 10.3% 33 1130 Dade, Miami Beach 34,722 13,573 -6.3% -0.6% 0.0% 110 4331 Dade, Coastal 18,157 8,950 -14.1% -8.7% 0.0% 71 3532 Dade, Miami 2,311,112 454,299 48.7% 31.9% 11.2% 1,750 34433 Dade, Hialeah 897,539 144,717 40.4% 26.0% 11.1% 614 9934 Dade, Rem Excl H.,M.,M.B. 5,481,241 1,448,892 48.4% 34.5% 11.1% 4,778 1,263

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Territory Territory Description Rate Level Rate Level Risk Load Rate Change Rate Change Policies Policies22 Wind Dade 184,821 0 92.9% 69.2% 11.8% 0 023 Wind Dade 148,285 0 85.2% 60.9% 11.8% 0 024 Wind Dade 433,865 0 81.6% 57.0% 11.8% 0 025 Wind Dade 305,555 0 61.4% 35.3% 11.8% 0 026 Wind Dade 35,178 0 90.5% 66.6% 11.8% 0 027 Wind Dade 149,351 0 88.5% 64.4% 11.8% 0 028 Wind Dade 162,668 0 64.2% 38.4% 11.8% 0 029 Wind Dade 100,414 0 62.4% 36.5% 11.8% 0 0

712 De Soto 43,738 15,794 21.2% 14.8% 10.6% 36 13592 Dixie, Coastal 9,296 1,859 9.8% 6.9% 7.3% 10 2732 Dixie, Remainder 4,165 595 10.8% 8.4% 8.9% 7 139 Duval, Jacksonville 212,543 80,969 9.9% 7.0% 7.5% 378 14440 Duval, Remainder 356 0 20.2% 14.7% 10.6% 1 041 Duval, Coastal 34,994 5,832 15.6% 9.7% 10.3% 54 9

41 Wind Duval 9,742 0 64.0% 38.2% 11.5% 0 0602 Escambia, Coastal 13,199 3,000 5.2% 4.0% 4.3% 22 543 Escambia, Remainder 464,084 122,053 29.5% 16.1% 11.0% 654 172

52 Wind Escambia 15,601 0 69.6% 44.2% 11.7% 0 053 Wind Escambia 7,540 0 66.2% 40.5% 11.7% 0 054 Wind Escambia 111,053 0 59.6% 33.5% 11.6% 0 0

531 Flagler, Coastal 4,879 1,220 -10.4% -4.7% 0.0% 12 3701 Flagler, Remainder 13,394 6,697 33.6% 21.3% 10.9% 16 8

83 Wind Flagler 8,697 0 66.2% 40.5% 11.6% 0 0603 Franklin 16,962 3,141 20.3% 12.1% 10.7% 27 5

65 Wind Franklin 16,755 0 65.0% 39.2% 11.7% 0 0393 Gadsden 24,726 5,563 18.2% 16.5% 10.4% 40 9923 Gilchrist 7,461 0 11.1% 8.7% 9.1% 9 0552 Glades 13,286 7,381 30.9% 19.3% 10.9% 9 5604 Gulf, Coastal 10,608 3,120 28.3% 16.6% 10.9% 17 5722 Gulf, Remainder 2,461 1,641 24.5% 16.0% 10.8% 3 2

66 Wind Gulf 10,608 0 63.0% 37.1% 11.7% 0 0493 Hamilton 2,586 517 1.3% 3.4% 3.6% 5 1

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Territory Territory Description Rate Level Rate Level Risk Load Rate Change Rate Change Policies Policies713 Hardee 15,214 3,803 24.7% 16.0% 10.8% 16 4553 Hendry 31,536 15,768 30.3% 19.1% 10.9% 28 14159 Hernando, Coastal 36,733 6,542 23.8% 13.9% 10.8% 73 13733 Hernando, Remainder 489,504 78,555 33.7% 21.1% 11.0% 835 134

56 Wind Hernando 17,243 0 66.6% 40.9% 11.6% 0 0714 Highlands 63,557 25,423 26.3% 17.2% 10.8% 75 3047 Hillsborough, Tampa 1,178,154 402,237 39.0% 26.5% 11.0% 1,444 49380 Hillsborough, Excl. Tampa 1,095,666 351,235 39.8% 29.6% 10.9% 1,410 452593 Holmes 9,506 4,074 14.4% 10.6% 10.5% 14 6561 Indian River, Remainder 200,829 106,690 30.1% 16.7% 11.0% 224 119181 Indian River, Coastal 5,292 2,802 -6.6% -3.0% 0.1% 17 9

76 Wind Indian River 22,089 0 66.1% 40.5% 11.8% 0 0693 Jackson 35,092 12,633 20.1% 18.7% 10.4% 50 18605 Jefferson, Coastal 0 0 62.4% 37.3% n.a. 0 0793 Jefferson, Remainder 1,330 665 6.4% 6.8% 7.1% 2 1893 Lafayette 855 0 7.8% 7.6% 7.9% 1 0692 Lake 178,449 68,482 37.2% 25.6% 10.9% 271 104542 Lee, Coastal 28,530 6,776 -2.7% -1.3% 0.2% 80 19554 Lee, Remainder 1,456,267 596,195 41.1% 28.2% 11.0% 1,766 723

17 Wind Lee 36,774 0 64.2% 38.4% 11.7% 0 018 Wind Lee 37,587 0 65.0% 39.2% 11.7% 0 019 Wind Lee 2,772 0 64.1% 38.2% 11.7% 0 020 Wind Lee 40,749 0 66.8% 41.2% 11.7% 0 0

993 Leon 79,387 15,095 9.6% 5.4% 5.9% 142 27594 Levy, Coastal 48,543 11,269 20.0% 11.9% 10.7% 56 13734 Levy, Remainder 34,075 10,130 31.0% 23.2% 10.7% 37 11

57 Wind Levy 8,039 0 63.3% 37.4% 11.5% 0 0931 Liberty 4,703 2,016 15.9% 11.6% 10.5% 7 3932 Madison 6,983 4,655 2.4% 3.7% 4.0% 6 4582 Manatee, Coastal 81,951 18,912 38.4% 22.4% 11.1% 78 18735 Manatee, Remainder 1,242,835 237,957 33.7% 17.8% 11.1% 1,640 314

68 Wind Manatee 26,676 0 65.8% 40.1% 11.7% 0 0

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5 Monroe, Excl. Key West 36,040 10,152 -10.4% -5.5% 0.0% 71 207 Monroe, Key West 3,733 0 -9.9% -4.1% 0.0% 4 0

90 Wind Monroe 78,469 0 94.7% 71.0% 11.8% 0 0532 Nassau, Coastal 10,515 1,753 16.3% 10.4% 10.6% 12 2892 Nassau, Remainder 11,560 6,800 18.7% 12.7% 10.6% 17 10

69 Wind Nassau 4,965 0 66.7% 41.1% 11.4% 0 0606 Okaloosa, Coastal 50,306 19,949 37.8% 21.4% 11.1% 58 23723 Okaloosa, Remainder 269,537 68,723 38.5% 22.9% 11.1% 302 77

70 Wind Okaloosa 21,880 0 65.9% 40.2% 11.7% 0 0555 Okeechobee 32,732 9,698 26.1% 19.2% 10.7% 27 849 Orange, Orlando 57,277 29,543 33.5% 25.3% 10.8% 95 4990 Orange, Excl. Orlando 207,782 73,652 42.5% 31.1% 10.9% 347 123511 Osceola 72,040 32,246 38.5% 28.8% 10.8% 105 47362 Palm Beach, Coastal 23,267 5,564 -14.2% -8.8% 0.0% 46 1138 Palm Beach, Remainder 1,845,945 520,017 34.8% 22.4% 11.0% 2,389 673

94 Wind Palm Beach 28,703 0 89.9% 66.0% 11.8% 0 095 Wind Palm Beach 248,756 0 97.1% 73.6% 11.8% 0 096 Wind Palm Beach 425,093 0 105.0% 82.1% 11.7% 0 097 Wind Palm Beach 46,170 0 68.7% 43.2% 11.7% 0 0

595 Pasco, Coastal 61,637 14,503 -12.1% -10.1% 0.2% 340 80736 Pasco, Remainder 1,179,447 254,696 37.8% 23.4% 11.1% 1,894 409

88 Wind Pasco 150,258 0 59.1% 33.0% 11.7% 0 042 Pinellas, Coastal 74,449 23,893 -5.5% -0.2% 0.0% 215 6946 Pinellas - Saint Petersburg 1,673,445 527,197 31.1% 16.1% 11.1% 1,749 55181 Pinellas, Rem. Excl. Saint Petersburg 2,281,379 564,116 28.6% 13.4% 11.1% 2,564 634

42 Wind Pinellas 142,646 0 62.5% 36.6% 11.7% 0 050 Polk 488,831 198,727 53.0% 41.3% 11.0% 765 311992 Putnam 37,433 14,397 10.3% 6.8% 7.3% 52 20533 Saint Johns, Coastal 15,648 2,407 35.3% 20.5% 11.1% 13 2

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71 Wind Saint Johns 3,031 0 64.1% 38.3% 11.4% 0 0562 Saint Lucie, Remainder 678,023 219,811 29.3% 16.9% 10.9% 620 201183 Saint Lucie, Coastal 23,298 5,037 31.3% 19.5% 10.9% 37 8

77 Wind Saint Lucie 14,647 0 68.9% 43.4% 11.8% 0 0607 Santa Rosa, Coastal 1,996 1,331 6.3% 5.5% 5.8% 3 2724 Santa Rosa, Remainder 219,877 56,379 36.5% 18.4% 11.2% 234 60

92 Wind Santa Rosa 20,021 0 65.3% 39.5% 11.7% 0 0583 Sarasota, Coastal 104,190 27,297 -5.3% -1.0% 0.1% 271 71715 Sarasota, Remainder 556,539 165,941 33.4% 19.9% 11.0% 872 260

49 Wind Sarasota 117,064 0 62.7% 36.7% 11.7% 0 050 Wind Sarasota 103,435 0 63.9% 38.1% 11.7% 0 051 Wind Sarasota 27,421 0 66.2% 40.5% 11.7% 0 0

512 Seminole 93,855 26,224 36.7% 25.2% 10.9% 136 38921 Sumter 34,308 12,603 32.6% 25.2% 10.7% 49 18933 Suwannee 18,188 5,456 13.1% 12.9% 10.3% 30 9596 Taylor, Coastal 10,747 2,388 21.2% 13.4% 10.7% 9 2737 Taylor, Remainder 13,185 1,758 8.3% 5.9% 6.3% 15 2922 Union 2,677 892 10.8% 8.8% 9.2% 3 162 Volusia, Coastal 55,046 8,303 -15.5% -10.6% 0.0% 179 2763 Volusia, Remainder 387,751 100,460 31.6% 21.7% 10.8% 633 164

14 Wind Volusia 79,565 0 70.3% 44.9% 11.7% 0 015 Wind Volusia 74,893 0 76.6% 51.7% 11.5% 0 016 Wind Volusia 835 0 66.4% 40.7% 11.5% 0 0

608 Wakulla, Coastal 5,430 543 25.5% 16.0% 10.8% 10 1725 Wakulla, Remainder 5,337 2,135 31.5% 20.1% 10.9% 5 2

58 Wind Wakulla 5,395 0 66.1% 40.4% 11.5% 0 0609 Walton, Coastal 28,424 8,834 -8.3% -4.7% 0.1% 74 23726 Walton, Remainder 58,389 16,683 26.7% 15.1% 10.9% 70 20

75 Wind Walton 77,284 0 64.9% 39.1% 11.7% 0 0934 Washington 12,399 3,444 17.7% 13.3% 10.5% 18 5

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Notes:(1) From Exhibit 9, Column (5) of Territorial Rate Analysis. Excludes FHCF buildup.(2) = (6) / (5) * (1)

(3a) From Exhibit 9, Column (9) of Territorial Rate Analysis. Excludes impact of FHCF buildup. Includes risk load.(3b) From Exhibit 9, Column (9) of Territorial Rate Analysis. Excludes impact of FHCF buildup. Excludes risk load.(4) From Exhibit 10, Page 3, Column (7) of Territorial Rate Analysis. Includes impact of FHCF buildup.(5) Total Policy Counts.(6) New Policy Counts.

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CITIZENS PROPERTY INSURANCE CORPORATION DP1_sinkhole

SUMMARY OF INDICATED DWELLING - DP1 TERRITORY RATE CHANGESPERSONAL RESIDENTIAL MULTI-PERIL AND PERSONAL RESIDENTIAL WIND-ONLY COMBINEDINDICATED RATE CHANGE FOR SINKHOLE ONLY

(1) (2) (3) (4) (5)


Premium Indicated Current Proposed Averageat Current Uncapped Average Average Premium

Territory Territory Description Rate Level Rate Change Premium Premium Change192 Alachua 4,390 -52.7% 63 30 64292 Baker 38 167.0% 10 25 12601 Bay, Coastal 341 132.1% 11 25 10721 Bay, Remainder 918 139.1% 10 23 12

59 Wind Bay 0 n.a. n.a. n.a. n.a.392 Bradford 123 175.1% 10 28 1257 Brevard, Coastal 1,106 130.2% 10 24 1264 Brevard, Remainder 4,132 116.6% 10 22 12

60 Wind Brevard 0 n.a. n.a. n.a. n.a.35 Broward, Hllwd & Ft. Ldrdle 4,710 213.6% 10 32 12361 Broward, Coastal 158 166.7% 11 28 1237 Broward, Rem. Excl. Ft. L. & Hlywd 11,763 146.1% 10 26 12

45 Wind Broward 0 n.a. n.a. n.a. n.a.46 Wind Broward 0 n.a. n.a. n.a. n.a.47 Wind Broward 0 n.a. n.a. n.a. n.a.48 Wind Broward 0 n.a. n.a. n.a. n.a.

193 Calhoun 72 154.7% 10 26 12581 Charlotte, Coastal 839 132.9% 10 23 12711 Charlotte, Remainder 2,175 113.9% 10 21 12

61 Wind Charlotte 0 n.a. n.a. n.a. n.a.591 Citrus, Coastal 1,351 126.4% 59 133 65731 Citrus, Remainder 17,134 15.0% 113 130 110492 Clay 219 147.9% 10 24 12551 Collier, Remainder 1,362 145.7% 11 26 12541 Collier, Coastal 729 143.5% 10 25 12

62 Wind Collier 0 n.a. n.a. n.a. n.a.293 Columbia 257 153.0% 11 28 1230 Dade, Miami Beach 394 164.0% 11 28 1231 Dade, Coastal 216 220.9% 10 33 1232 Dade, Miami 9,536 147.2% 10 25 1233 Dade, Hialeah 3,965 106.3% 10 21 1234 Dade, Rem Excl H.,M.,M.B. 26,312 19.9% 10 13 12

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(1) (2) (3) (4) (5)



Territory Territory Description Rate Level Rate Change Premium Premium Change22 Wind Dade 0 n.a. n.a. n.a. n.a.23 Wind Dade 0 n.a. n.a. n.a. n.a.24 Wind Dade 0 n.a. n.a. n.a. n.a.25 Wind Dade 0 n.a. n.a. n.a. n.a.26 Wind Dade 0 n.a. n.a. n.a. n.a.27 Wind Dade 0 n.a. n.a. n.a. n.a.28 Wind Dade 0 n.a. n.a. n.a. n.a.29 Wind Dade 0 n.a. n.a. n.a. n.a.

712 De Soto 173 198.6% 10 29 12592 Dixie, Coastal 85 147.0% 9 23 12732 Dixie, Remainder 49 139.0% 10 23 1239 Duval, Jacksonville 1,825 151.8% 10 26 1240 Duval, Remainder 10 185.9% 10 30 1241 Duval, Coastal 223 219.7% 10 31 11

41 Wind Duval 0 n.a. n.a. n.a. n.a.602 Escambia, Coastal 70 184.9% 9 25 1243 Escambia, Remainder 3,284 114.9% 10 22 12

52 Wind Escambia 0 n.a. n.a. n.a. n.a.53 Wind Escambia 0 n.a. n.a. n.a. n.a.54 Wind Escambia 0 n.a. n.a. n.a. n.a.

531 Flagler, Coastal 63 155.5% 13 32 12701 Flagler, Remainder 163 136.2% 12 27 12

83 Wind Flagler 0 n.a. n.a. n.a. n.a.603 Franklin 133 189.3% 9 27 12

65 Wind Franklin 0 n.a. n.a. n.a. n.a.393 Gadsden 258 165.9% 11 29 11923 Gilchrist 72 182.3% 10 29 12552 Glades 8 381.1% 8 39 12604 Gulf, Coastal 37 168.2% 9 25 12722 Gulf, Remainder 10 94.5% 10 20 12

66 Wind Gulf 0 n.a. n.a. n.a. n.a.493 Hamilton 21 9.6% 10 11 11

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Territory Territory Description Rate Level Rate Change Premium Premium Change713 Hardee 40 149.6% 8 20 12553 Hendry 103 157.4% 13 33 12159 Hernando, Coastal 5,272 321.5% 277 1,169 228733 Hernando, Remainder 83,912 372.6% 302 1,427 55

56 Wind Hernando 0 n.a. n.a. n.a. n.a.714 Highlands 384 135.2% 12 27 1247 Hillsborough, Tampa 103,085 143.8% 102 248 11480 Hillsborough, Excl. Tampa 94,705 102.4% 105 212 115593 Holmes 21 162.4% 11 28 11561 Indian River, Remainder 1,245 126.4% 9 20 12181 Indian River, Coastal 80 147.4% 10 25 12

76 Wind Indian River 0 n.a. n.a. n.a. n.a.693 Jackson 117 135.3% 12 27 11605 Jefferson, Coastal 0 n.a. n.a. n.a. n.a.793 Jefferson, Remainder 9 147.7% 9 22 n.a.893 Lafayette 9 172.1% 9 26 12692 Lake 13,257 119.3% 58 128 50542 Lee, Coastal 342 149.7% 10 24 12554 Lee, Remainder 9,112 90.0% 10 19 12

17 Wind Lee 0 n.a. n.a. n.a. n.a.18 Wind Lee 0 n.a. n.a. n.a. n.a.19 Wind Lee 0 n.a. n.a. n.a. n.a.20 Wind Lee 0 n.a. n.a. n.a. n.a.

993 Leon 621 165.0% 10 27 11594 Levy, Coastal 449 1111.6% 11 130 12734 Levy, Remainder 233 147.1% 10 25 12

57 Wind Levy 0 n.a. n.a. n.a. n.a.931 Liberty 17 209.1% 8 26 n.a.932 Madison 53 259.2% 18 64 11582 Manatee, Coastal 444 136.4% 9 22 12735 Manatee, Remainder 9,178 81.1% 10 18 12

68 Wind Manatee 0 n.a. n.a. n.a. n.a.

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(1) (2) (3) (4) (5)



Territory Territory Description Rate Level Rate Change Premium Premium Change792 Marion 11,626 144.3% 59 143 6510 Martin, Remainder 1,083 135.4% 10 24 12182 Martin, Coastal 24 193.3% 8 24 12

5 Monroe, Excl. Key West 360 145.3% 11 26 127 Monroe, Key West 20 160.8% 10 26 12

90 Wind Monroe 0 n.a. n.a. n.a. n.a.532 Nassau, Coastal 116 64.0% 14 24 10892 Nassau, Remainder 66 189.3% 9 27 12

69 Wind Nassau 0 n.a. n.a. n.a. n.a.606 Okaloosa, Coastal 77 157.7% 9 22 12723 Okaloosa, Remainder 1,133 134.3% 10 23 12

70 Wind Okaloosa 0 n.a. n.a. n.a. n.a.555 Okeechobee 85 150.9% 14 36 1249 Orange, Orlando 455 224.4% 9 29 1290 Orange, Excl. Orlando 1,966 123.6% 10 23 12511 Osceola 644 149.1% 10 26 12362 Palm Beach, Coastal 168 164.5% 11 30 1238 Palm Beach, Remainder 12,014 643.8% 11 80 12

94 Wind Palm Beach 0 n.a. n.a. n.a. n.a.95 Wind Palm Beach 0 n.a. n.a. n.a. n.a.96 Wind Palm Beach 0 n.a. n.a. n.a. n.a.97 Wind Palm Beach 0 n.a. n.a. n.a. n.a.

595 Pasco, Coastal 28,314 266.9% 301 1,105 300736 Pasco, Remainder 129,949 286.1% 307 1,186 -8

88 Wind Pasco 0 n.a. n.a. n.a. n.a.42 Pinellas, Coastal 7,130 128.4% 58 132 6546 Pinellas - Saint Petersburg 126,303 4.2% 104 109 11981 Pinellas, Rem. Excl. Saint Petersburg 180,141 137.2% 104 246 110

42 Wind Pinellas 0 n.a. n.a. n.a. n.a.50 Polk 5,754 234.9% 10 34 12992 Putnam 182 161.9% 10 27 12533 Saint Johns, Coastal 68 125.4% 14 31 12

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Territory Territory Description Rate Level Rate Change Premium Premium Change702 Saint Johns, Remainder 237 195.0% 10 29 10

71 Wind Saint Johns 0 n.a. n.a. n.a. n.a.562 Saint Lucie, Remainder 3,179 107.9% 11 22 12183 Saint Lucie, Coastal 111 163.1% 10 27 12

77 Wind Saint Lucie 0 n.a. n.a. n.a. n.a.607 Santa Rosa, Coastal 0 n.a. n.a. n.a. n.a.724 Santa Rosa, Remainder 963 149.3% 10 24 12

92 Wind Santa Rosa 0 n.a. n.a. n.a. n.a.583 Sarasota, Coastal 1,401 133.0% 10 24 12715 Sarasota, Remainder 5,175 100.3% 10 20 12

49 Wind Sarasota 0 n.a. n.a. n.a. n.a.50 Wind Sarasota 0 n.a. n.a. n.a. n.a.51 Wind Sarasota 0 n.a. n.a. n.a. n.a.

512 Seminole 897 148.3% 11 27 12921 Sumter 306 157.4% 11 28 7933 Suwannee 138 139.6% 11 28 12596 Taylor, Coastal 56 217.1% 11 36 10737 Taylor, Remainder 82 220.1% 10 33 11922 Union 20 185.4% 10 29 1262 Volusia, Coastal 619 136.9% 10 23 1063 Volusia, Remainder 4,301 117.5% 10 22 12

14 Wind Volusia 0 n.a. n.a. n.a. n.a.15 Wind Volusia 0 n.a. n.a. n.a. n.a.16 Wind Volusia 0 n.a. n.a. n.a. n.a.

608 Wakulla, Coastal 35 155.5% 12 30 12725 Wakulla, Remainder 26 158.8% 13 33 12

58 Wind Wakulla 0 n.a. n.a. n.a. n.a.609 Walton, Coastal 166 176.9% 11 31 12726 Walton, Remainder 132 122.5% 13 29 11

75 Wind Walton 0 n.a. n.a. n.a. n.a.934 Washington 21 70.6% 10 18 12

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Territory Territory Description Rate Level Rate Change Premium Premium ChangeTotal 946,960 162.9% 47 124

Notes:(1) From Exhibit 14, Column (4) of Territorial Rate Analysis. Excludes FHCF buildup.(2) From Exhibit 14, Column (12) of Territorial Rate Analysis. Excludes FHCF buildup.(3) Equal to (3) divided by the number of inforce policies that have the optional sinkhole coverage.(4) = (3) * [1+(2)](5) Approved sinkhole average premium change in 2012 rate filing.


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CITIZENS PROPERTY INSURANCE CORPORATION DP3-DW2 _Non-Sinkhole

SUMMARY OF INDICATED DWELLING - DP3 and DW2 TERRITORY RATE CHANGESPERSONAL RESIDENTIAL MULTI-PERIL AND PERSONAL RESIDENTIAL WIND-ONLY COMBINEDINDICATED RATE CHANGE FOR NON-SINKHOLE (Includes Wind and AOP, excludes sinkhole)

(1) (2) (3a) (3b) (4) (5) (6)12/31/2011 12/31/2011



Territory Territory Description Rate Level Rate Level Risk Load Rate Change Rate Change Policies Policies192 Alachua 522,107 170,837 -6.7% -9.8% 0.4% 691 226292 Baker 25,042 10,217 9.4% 5.9% 6.4% 25 10601 Bay, Coastal 1,043,565 294,959 0.4% -4.7% 0.5% 1,236 349721 Bay, Remainder 912,414 262,934 15.1% 4.5% 5.3% 761 219

59 Wind Bay 1,866,698 221,358 69.2% 43.3% 11.9% 896 106392 Bradford 35,197 11,786 5.9% 3.5% 3.9% 33 1157 Brevard, Coastal 3,789,354 682,577 19.6% 6.7% 7.6% 2,534 45664 Brevard, Remainder 3,729,027 1,157,124 26.2% 14.6% 10.9% 3,446 1,069

60 Wind Brevard 928,172 37,040 78.1% 52.8% 11.9% 213 935 Broward, Hllwd & Ft. Ldrdle 8,748,247 1,828,510 11.7% 3.4% 4.1% 7,194 1,504361 Broward, Coastal 530,955 142,292 -20.6% -17.3% 0.1% 1,256 33737 Broward, Rem. Excl. Ft. L. & Hlywd 33,062,511 8,940,082 18.3% 7.9% 8.7% 22,410 6,060

45 Wind Broward 1,322,510 147,696 133.9% 112.6% 11.9% 137 1546 Wind Broward 2,328,513 176,805 115.0% 92.4% 11.9% 403 3147 Wind Broward 4,474,610 314,739 104.5% 81.1% 11.9% 1,003 7148 Wind Broward 7,331,295 514,831 71.3% 45.5% 11.9% 1,743 122

193 Calhoun 14,959 4,541 4.6% 0.9% 1.4% 14 4581 Charlotte, Coastal 2,156,990 571,362 14.4% 5.5% 6.2% 1,659 439711 Charlotte, Remainder 4,812,870 1,352,734 25.6% 14.1% 10.9% 3,874 1,089

61 Wind Charlotte 597,381 28,068 78.2% 52.9% 11.9% 199 9591 Citrus, Coastal 126,045 43,434 24.4% 12.4% 10.9% 74 26731 Citrus, Remainder 474,325 153,754 15.2% 3.4% 4.3% 472 153492 Clay 232,942 88,000 4.2% -0.7% 0.5% 243 92551 Collier, Remainder 3,311,066 1,034,344 19.8% 9.3% 10.1% 2,389 746541 Collier, Coastal 3,373,100 763,548 10.9% 1.7% 2.4% 2,621 593

62 Wind Collier 2,100,812 197,170 86.6% 61.9% 11.9% 480 45293 Columbia 76,319 22,506 -2.5% -3.3% 0.3% 98 2930 Dade, Miami Beach 578,039 190,743 -8.4% -4.2% 0.1% 1,154 38131 Dade, Coastal 558,290 158,322 -7.3% -3.1% 0.1% 1,133 32132 Dade, Miami 19,928,997 3,371,811 38.7% 30.6% 10.8% 10,299 1,74333 Dade, Hialeah 8,087,515 1,250,949 48.1% 39.0% 10.9% 4,127 63834 Dade, Rem Excl H.,M.,M.B. 58,646,413 11,743,352 45.2% 39.8% 10.7% 33,972 6,803

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Territory Territory Description Rate Level Rate Level Risk Load Rate Change Rate Change Policies Policies22 Wind Dade 3,425,220 399,029 126.2% 104.3% 11.9% 197 2323 Wind Dade 1,657,933 195,502 113.9% 91.2% 11.9% 173 2024 Wind Dade 2,653,315 153,613 81.0% 55.9% 11.9% 323 1925 Wind Dade 1,799,450 187,837 60.3% 33.7% 11.9% 171 1826 Wind Dade 579,893 79,109 108.2% 85.0% 11.9% 81 1127 Wind Dade 2,439,380 223,789 98.0% 74.1% 11.9% 454 4228 Wind Dade 2,335,087 230,794 67.0% 40.9% 11.9% 516 5129 Wind Dade 1,010,070 98,811 64.1% 37.8% 11.9% 391 38

712 De Soto 107,853 42,312 21.5% 13.9% 10.7% 91 36592 Dixie, Coastal 16,423 2,538 18.6% 8.4% 9.2% 11 2732 Dixie, Remainder 17,167 6,009 14.5% 8.7% 9.3% 17 639 Duval, Jacksonville 1,457,275 497,193 12.0% 3.0% 3.7% 1,729 59040 Duval, Remainder 7,351 2,884 -3.2% -2.1% 0.2% 13 541 Duval, Coastal 403,600 112,969 3.3% -4.3% 0.6% 413 116

41 Wind Duval 264,150 19,607 83.7% 58.9% 11.6% 355 26602 Escambia, Coastal 239,162 34,849 -22.1% -17.9% 0.0% 280 4143 Escambia, Remainder 2,093,317 464,976 7.9% -0.3% 0.6% 1,921 427

52 Wind Escambia 660,354 47,883 98.3% 74.4% 11.9% 211 1553 Wind Escambia 110,689 16,171 78.3% 53.0% 11.8% 64 954 Wind Escambia 1,088,828 131,588 69.5% 43.5% 11.7% 633 77

531 Flagler, Coastal 53,009 12,069 -17.5% -12.3% 0.0% 56 13701 Flagler, Remainder 116,961 46,851 14.4% 6.8% 7.5% 87 35

83 Wind Flagler 156,787 12,845 111.4% 88.5% 11.7% 249 20603 Franklin 187,688 50,841 -7.1% -7.8% 0.3% 182 49

65 Wind Franklin 1,646,953 251,693 70.7% 44.9% 11.8% 673 103393 Gadsden 86,254 22,426 13.3% 8.2% 8.7% 85 22923 Gilchrist 17,268 9,270 1.6% -0.7% 0.4% 19 10552 Glades 13,212 3,743 25.6% 15.2% 10.9% 9 3604 Gulf, Coastal 204,323 77,750 -4.2% -2.9% 0.2% 172 65722 Gulf, Remainder 10,057 2,850 7.6% 2.6% 3.1% 9 3

66 Wind Gulf 834,009 89,925 67.4% 41.3% 11.9% 473 51493 Hamilton 10,890 5,049 -3.3% -1.9% 0.2% 11 5

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Territory Territory Description Rate Level Rate Level Risk Load Rate Change Rate Change Policies Policies713 Hardee 32,094 15,155 30.7% 18.2% 11.0% 18 9553 Hendry 135,891 57,074 27.9% 17.8% 10.9% 85 36159 Hernando, Coastal 333,843 59,900 16.4% 11.0% 10.6% 469 84733 Hernando, Remainder 3,760,469 669,694 35.7% 28.0% 10.8% 5,465 973

56 Wind Hernando 174,944 10,622 75.6% 50.2% 11.8% 14 1714 Highlands 201,964 83,101 29.2% 18.0% 10.9% 157 6547 Hillsborough, Tampa 8,824,539 2,153,899 29.7% 18.4% 10.9% 7,543 1,84180 Hillsborough, Excl. Tampa 10,929,081 2,947,145 39.3% 28.0% 11.0% 11,439 3,085593 Holmes 57,927 19,868 5.9% 3.8% 4.2% 57 20561 Indian River, Remainder 2,205,478 546,450 21.0% 7.8% 8.7% 1,681 417181 Indian River, Coastal 253,665 49,653 -18.6% -14.0% 0.0% 317 62

76 Wind Indian River 608,772 55,726 75.8% 50.4% 11.9% 65 6693 Jackson 55,077 19,577 9.3% 4.7% 5.2% 55 20605 Jefferson, Coastal 0 0 56.1% 30.1% n.a. 0 0793 Jefferson, Remainder 24,579 9,401 -0.1% -1.9% 0.4% 20 8893 Lafayette 26,098 11,620 3.5% 1.5% 1.9% 21 9692 Lake 627,388 226,461 27.5% 17.7% 10.8% 657 237542 Lee, Coastal 832,863 176,677 -32.1% -29.0% 0.1% 1,154 245554 Lee, Remainder 15,295,552 5,147,573 14.5% 4.5% 5.3% 12,285 4,134

17 Wind Lee 3,469,320 346,932 94.1% 70.0% 11.9% 1,139 11418 Wind Lee 814,877 79,233 74.1% 48.6% 11.9% 271 2619 Wind Lee 230,027 47,560 73.1% 47.5% 11.8% 37 820 Wind Lee 172,359 5,529 74.0% 48.4% 11.8% 53 2

993 Leon 556,475 204,091 4.3% -3.7% 0.6% 737 270594 Levy, Coastal 42,846 17,718 5.8% 0.8% 1.3% 37 15734 Levy, Remainder 56,633 23,557 5.1% 0.9% 1.3% 47 20

57 Wind Levy 40,262 7,103 72.9% 47.2% 11.6% 53 9931 Liberty 7,810 2,489 6.4% 2.4% 2.9% 8 3932 Madison 27,502 8,658 -1.6% -3.0% 0.3% 27 9582 Manatee, Coastal 2,028,596 415,927 17.4% 7.5% 8.3% 1,252 257735 Manatee, Remainder 4,565,866 1,213,585 20.4% 9.5% 10.3% 3,748 996

68 Wind Manatee 1,477,762 142,738 75.7% 50.3% 11.9% 440 43

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Territory Territory Description Rate Level Rate Level Risk Load Rate Change Rate Change Policies Policies792 Marion 852,359 355,119 15.3% 8.1% 8.7% 914 38110 Martin, Remainder 3,438,723 911,019 26.5% 12.5% 11.1% 1,986 526182 Martin, Coastal 150,983 31,739 40.2% 27.3% 11.0% 93 20

5 Monroe, Excl. Key West 679,590 107,748 -19.6% -15.0% 0.0% 772 1227 Monroe, Key West 119,710 28,583 -16.3% -12.4% 0.1% 89 21

90 Wind Monroe 11,021,694 992,213 179.2% 161.1% 11.9% 4,230 381532 Nassau, Coastal 100,934 31,100 0.0% -4.4% 0.5% 80 25892 Nassau, Remainder 48,461 15,915 0.8% 1.2% 1.5% 44 14

69 Wind Nassau 110,024 8,109 68.9% 43.0% 11.5% 173 13606 Okaloosa, Coastal 908,706 313,587 21.9% 10.0% 10.9% 601 207723 Okaloosa, Remainder 2,549,160 724,312 33.6% 18.9% 11.1% 1,762 501

70 Wind Okaloosa 909,702 104,799 87.7% 63.1% 11.9% 273 31555 Okeechobee 57,642 20,101 30.0% 18.0% 11.0% 39 1449 Orange, Orlando 720,616 224,708 24.9% 15.0% 10.8% 706 22090 Orange, Excl. Orlando 2,273,238 706,980 40.3% 29.8% 10.9% 2,427 755511 Osceola 779,789 341,587 23.4% 16.4% 10.7% 749 328362 Palm Beach, Coastal 706,545 153,279 -26.5% -23.4% 0.1% 909 19738 Palm Beach, Remainder 27,957,985 6,994,505 16.7% 7.1% 7.9% 22,886 5,726

94 Wind Palm Beach 1,246,366 74,345 103.7% 80.2% 11.9% 171 1095 Wind Palm Beach 3,865,263 265,771 111.4% 88.5% 11.9% 717 4996 Wind Palm Beach 5,394,260 411,692 122.3% 100.2% 11.9% 1,136 8797 Wind Palm Beach 1,092,169 79,249 78.5% 53.2% 11.9% 164 12

595 Pasco, Coastal 940,756 131,393 -10.4% -5.6% 0.0% 2,763 386736 Pasco, Remainder 9,902,157 1,780,968 20.6% 11.6% 10.8% 11,711 2,106

88 Wind Pasco 1,910,721 129,929 59.4% 32.8% 11.9% 75 542 Pinellas, Coastal 1,427,968 242,755 -33.8% -30.8% 0.1% 2,090 35546 Pinellas - Saint Petersburg 8,744,713 1,633,470 20.1% 5.4% 6.4% 6,225 1,16381 Pinellas, Rem. Excl. Saint Petersburg 20,091,115 3,503,645 18.1% 4.1% 5.1% 16,660 2,905

42 Wind Pinellas 2,892,888 209,273 69.2% 43.3% 11.8% 658 4850 Polk 2,434,656 775,509 39.0% 29.8% 10.9% 2,407 767992 Putnam 101,113 36,015 1.0% -2.0% 0.4% 105 37533 Saint Johns, Coastal 326,951 94,842 7.0% 0.6% 1.2% 252 73

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(1) (2) (3a) (3b) (4) (5) (6)12/31/2011 12/31/2011




71 Wind Saint Johns 236,984 21,582 89.3% 64.8% 11.5% 224 20562 Saint Lucie, Remainder 3,418,535 1,030,758 20.0% 7.3% 8.3% 2,664 803183 Saint Lucie, Coastal 308,405 46,746 19.2% 10.6% 10.8% 286 43

77 Wind Saint Lucie 177,729 20,143 78.1% 52.8% 11.9% 15 2607 Santa Rosa, Coastal 59,552 11,681 -16.6% -11.8% 0.0% 52 10724 Santa Rosa, Remainder 1,283,554 362,831 27.2% 14.1% 11.0% 863 244

92 Wind Santa Rosa 460,238 48,011 104.6% 81.2% 11.9% 220 23583 Sarasota, Coastal 2,259,483 446,197 -37.0% -33.9% 0.0% 3,310 654715 Sarasota, Remainder 6,101,992 1,499,377 10.5% 1.4% 2.1% 5,770 1,418

49 Wind Sarasota 3,733,703 346,401 67.1% 41.0% 11.9% 1,246 11650 Wind Sarasota 1,471,686 150,665 74.0% 48.4% 11.8% 905 9351 Wind Sarasota 296,381 39,558 73.0% 47.4% 11.8% 242 32

512 Seminole 1,111,556 314,646 28.7% 19.7% 10.8% 1,066 302921 Sumter 108,769 50,560 13.2% 6.7% 7.3% 128 60933 Suwannee 57,918 18,084 5.1% 0.6% 1.1% 49 15596 Taylor, Coastal 44,374 16,165 12.7% 4.7% 5.4% 28 10737 Taylor, Remainder 24,158 7,986 10.4% 3.5% 4.1% 18 6922 Union 13,345 2,431 -3.7% -3.4% 0.3% 14 362 Volusia, Coastal 458,425 84,609 -28.0% -24.3% 0.0% 677 12563 Volusia, Remainder 2,110,060 526,898 20.4% 14.2% 10.7% 2,393 598

14 Wind Volusia 1,410,354 138,860 125.3% 103.4% 11.8% 1,459 14415 Wind Volusia 489,472 18,816 98.0% 74.1% 11.7% 597 2316 Wind Volusia 15,698 953 65.5% 39.3% 11.6% 28 2

608 Wakulla, Coastal 19,142 4,786 -10.3% -8.0% 0.2% 17 4725 Wakulla, Remainder 33,239 12,842 3.5% -0.2% 0.4% 33 13

58 Wind Wakulla 42,747 4,225 59.0% 32.3% 11.7% 43 4609 Walton, Coastal 771,435 253,129 -24.7% -20.9% 0.0% 1,031 338726 Walton, Remainder 129,063 57,279 6.4% 0.1% 0.7% 113 50

75 Wind Walton 4,810,740 593,617 82.8% 57.8% 11.9% 1,977 244934 Washington 50,470 18,386 11.8% 7.2% 7.7% 42 15

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(1) (2) (3a) (3b) (4) (5) (6)12/31/2011 12/31/2011




Notes:(1) From Exhibit 9, Column (5) of Territorial Rate Analysis. Excludes FHCF buildup.(2) = (6) / (5) * (1).

(3a) From Exhibit 9, Column (9) of Territorial Rate Analysis. Excludes impact of FHCF buildup. Includes risk load.(3b) From Exhibit 9, Column (9) of Territorial Rate Analysis. Excludes impact of FHCF buildup. Excludes risk load.(4) From Exhibit 10, Page 3, Column (7) of Territorial Rate Analysis. Includes impact of FHCF buildup.(5) Total Policy Counts.(6) New Policy Counts.

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CITIZENS PROPERTY INSURANCE CORPORATION DP3-DW2_Sinkhole

SUMMARY OF INDICATED DWELLING - DP3 and DW2 TERRITORY RATE CHANGESPERSONAL RESIDENTIAL MULTI-PERIL AND PERSONAL RESIDENTIAL WIND-ONLY COMBINEDINDICATED RATE CHANGE FOR SINKHOLE ONLY

(1) (2) (3) (4) (5)



Territory Territory Description Rate Level Rate Change Premium Premium Change192 Alachua 32,104 -59.3% 58 24 64292 Baker 123 72.2% 12 21 11601 Bay, Coastal 5,461 38.6% 11 15 10721 Bay, Remainder 4,046 42.7% 10 15 10

59 Wind Bay 0 n.a. n.a. n.a. n.a392 Bradford 237 66.5% 12 20 1157 Brevard, Coastal 14,581 19.4% 11 13 1264 Brevard, Remainder 22,244 77.3% 11 19 12

60 Wind Brevard 0 n.a. n.a. n.a. n.a35 Broward, Hllwd & Ft. Ldrdle 45,176 144.5% 10 25 12361 Broward, Coastal 2,272 61.1% 10 16 1237 Broward, Rem. Excl. Ft. L. & Hlywd 129,275 62.9% 10 17 12

45 Wind Broward 0 n.a. n.a. n.a. n.a46 Wind Broward 0 n.a. n.a. n.a. n.a47 Wind Broward 0 n.a. n.a. n.a. n.a48 Wind Broward 0 n.a. n.a. n.a. n.a

193 Calhoun 68 78.4% 11 20 11581 Charlotte, Coastal 11,494 18.3% 10 12 12711 Charlotte, Remainder 27,657 -2.0% 10 10 12

61 Wind Charlotte 0 n.a. n.a. n.a. n.a591 Citrus, Coastal 3,028 807.3% 57 518 62731 Citrus, Remainder 43,512 303.9% 123 495 39492 Clay 1,557 61.9% 10 17 11551 Collier, Remainder 12,031 55.8% 11 16 12541 Collier, Coastal 12,080 32.0% 10 14 12

62 Wind Collier 0 n.a. n.a. n.a. n.a293 Columbia 719 72.1% 10 17 1130 Dade, Miami Beach 2,166 71.1% 9 16 1231 Dade, Coastal 1,842 74.0% 10 17 1232 Dade, Miami 62,814 -15.8% 10 9 1233 Dade, Hialeah 27,637 185.6% 10 29 1234 Dade, Rem Excl H.,M.,M.B. 212,620 22.4% 10 13 12

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(1) (2) (3) (4) (5)



Territory Territory Description Rate Level Rate Change Premium Premium Change22 Wind Dade 0 n.a. n.a. n.a. n.a23 Wind Dade 0 n.a. n.a. n.a. n.a24 Wind Dade 0 n.a. n.a. n.a. n.a25 Wind Dade 0 n.a. n.a. n.a. n.a26 Wind Dade 0 n.a. n.a. n.a. n.a27 Wind Dade 0 n.a. n.a. n.a. n.a28 Wind Dade 0 n.a. n.a. n.a. n.a29 Wind Dade 0 n.a. n.a. n.a. n.a

712 De Soto 428 50.9% 11 17 10592 Dixie, Coastal 126 69.3% 11 19 10732 Dixie, Remainder 190 61.7% 12 19 1139 Duval, Jacksonville 11,339 15.4% 10 12 1240 Duval, Remainder 118 62.9% 12 19 1141 Duval, Coastal 2,749 60.1% 10 16 10

41 Wind Duval 0 n.a. n.a. n.a. n.a602 Escambia, Coastal 917 70.7% 9 16 1243 Escambia, Remainder 8,902 23.6% 10 13 12

52 Wind Escambia 0 n.a. n.a. n.a. n.a53 Wind Escambia 0 n.a. n.a. n.a. n.a54 Wind Escambia 0 n.a. n.a. n.a. n.a

531 Flagler, Coastal 363 65.3% 11 18 9701 Flagler, Remainder 724 64.2% 11 18 10

83 Wind Flagler 0 n.a. n.a. n.a. n.a603 Franklin 753 72.7% 10 18 9

65 Wind Franklin 0 n.a. n.a. n.a. n.a393 Gadsden 806 69.0% 11 19 11923 Gilchrist 110 113.8% 9 20 11552 Glades 69 38.6% 14 19 10604 Gulf, Coastal 799 60.1% 11 18 9722 Gulf, Remainder 0 68.6% n.a. n.a. 10

66 Wind Gulf 0 n.a. n.a. n.a. n.a493 Hamilton 110 58.5% 16 25 11

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Territory Territory Description Rate Level Rate Change Premium Premium Change713 Hardee 110 96.7% 10 20 10553 Hendry 350 62.9% 10 16 10159 Hernando, Coastal 99,560 363.1% 778 3,602 0733 Hernando, Remainder 1,510,669 468.7% 662 3,767 185

56 Wind Hernando 0 n.a. n.a. n.a. n.a714 Highlands 1,103 66.2% 10 17 1047 Hillsborough, Tampa 704,943 153.7% 119 301 9680 Hillsborough, Excl. Tampa 1,101,447 346.4% 121 542 102593 Holmes 63 93.0% 13 25 11561 Indian River, Remainder 9,192 35.1% 11 14 12181 Indian River, Coastal 1,146 63.6% 9 15 12

76 Wind Indian River 0 n.a. n.a. n.a. n.a693 Jackson 188 68.5% 10 18 11605 Jefferson, Coastal 0 n.a. n.a. n.a. n.a793 Jefferson, Remainder 132 62.5% 11 18 11893 Lafayette 196 90.1% 10 20 11692 Lake 30,121 -70.8% 60 18 32542 Lee, Coastal 5,267 66.7% 10 17 9554 Lee, Remainder 76,075 -10.8% 10 9 12

17 Wind Lee 0 n.a. n.a. n.a. n.a18 Wind Lee 0 n.a. n.a. n.a. n.a19 Wind Lee 0 n.a. n.a. n.a. n.a20 Wind Lee 0 n.a. n.a. n.a. n.a

993 Leon 5,328 49.8% 10 16 11594 Levy, Coastal 249 74.6% 11 19 10734 Levy, Remainder 348 541.9% 10 62 10

57 Wind Levy 0 n.a. n.a. n.a. n.a931 Liberty 43 101.0% 11 22 11932 Madison 118 105.2% 10 20 11582 Manatee, Coastal 7,630 32.3% 11 14 12735 Manatee, Remainder 26,920 36.6% 10 14 12

68 Wind Manatee 0 n.a. n.a. n.a. n.a

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Territory Territory Description Rate Level Rate Change Premium Premium Change792 Marion 43,190 749.4% 62 529 6410 Martin, Remainder 10,552 230.1% 11 35 12182 Martin, Coastal 201 37.1% 11 15 12

5 Monroe, Excl. Key West 4,075 52.6% 10 16 127 Monroe, Key West 436 76.8% 11 19 12

90 Wind Monroe 0 n.a. n.a. n.a. n.a532 Nassau, Coastal 427 83.2% 10 18 9892 Nassau, Remainder 241 98.1% 10 20 10

69 Wind Nassau 0 n.a. n.a. n.a. n.a606 Okaloosa, Coastal 2,504 49.3% 11 16 12723 Okaloosa, Remainder 8,610 43.8% 10 15 12

70 Wind Okaloosa 0 n.a. n.a. n.a. n.a555 Okeechobee 260 60.8% 12 19 1049 Orange, Orlando 5,189 146.2% 10 25 1190 Orange, Excl. Orlando 19,352 437.0% 11 57 12511 Osceola 5,260 56.2% 11 17 11362 Palm Beach, Coastal 2,252 53.4% 10 15 1238 Palm Beach, Remainder 135,467 -70.3% 11 3 12

94 Wind Palm Beach 0 n.a. n.a. n.a. n.a95 Wind Palm Beach 0 n.a. n.a. n.a. n.a96 Wind Palm Beach 0 n.a. n.a. n.a. n.a97 Wind Palm Beach 0 n.a. n.a. n.a. n.a

595 Pasco, Coastal 467,168 319.5% 673 2,824 300736 Pasco, Remainder 2,286,981 311.5% 673 2,769 52

88 Wind Pasco 0 n.a. n.a. n.a. n.a42 Pinellas, Coastal 76,263 -50.8% 58 29 6246 Pinellas - Saint Petersburg 595,431 -26.3% 119 88 13581 Pinellas, Rem. Excl. Saint Petersburg 1,612,650 31.7% 121 159 61

42 Wind Pinellas 0 n.a. n.a. n.a. n.a50 Polk 19,936 1091.0% 10 125 12992 Putnam 584 58.4% 11 18 11533 Saint Johns, Coastal 1,830 56.8% 11 18 9

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Territory Territory Description Rate Level Rate Change Premium Premium Change702 Saint Johns, Remainder 1,884 58.0% 10 16 10

71 Wind Saint Johns 0 n.a. n.a. n.a. n.a562 Saint Lucie, Remainder 14,567 38.2% 10 14 12183 Saint Lucie, Coastal 1,180 58.3% 10 16 12

77 Wind Saint Lucie 0 n.a. n.a. n.a. n.a607 Santa Rosa, Coastal 272 88.1% 10 19 8724 Santa Rosa, Remainder 3,891 44.9% 10 15 12

92 Wind Santa Rosa 0 n.a. n.a. n.a. n.a583 Sarasota, Coastal 18,584 11.4% 10 12 12715 Sarasota, Remainder 42,217 102.5% 10 21 12

49 Wind Sarasota 0 n.a. n.a. n.a. n.a50 Wind Sarasota 0 n.a. n.a. n.a. n.a51 Wind Sarasota 0 n.a. n.a. n.a. n.a

512 Seminole 8,623 186.2% 10 30 11921 Sumter 6,027 -64.6% 63 22 0933 Suwannee 363 78.9% 10 19 11596 Taylor, Coastal 192 91.7% 10 18 10737 Taylor, Remainder 103 115.7% 9 19 10922 Union 110 75.0% 11 19 1162 Volusia, Coastal 4,060 48.8% 10 16 963 Volusia, Remainder 19,275 2.0% 10 11 10

14 Wind Volusia 0 n.a. n.a. n.a. n.a15 Wind Volusia 0 n.a. n.a. n.a. n.a16 Wind Volusia 0 n.a. n.a. n.a. n.a

608 Wakulla, Coastal 116 85.7% 12 22 9725 Wakulla, Remainder 261 75.1% 11 19 10

58 Wind Wakulla 0 n.a. n.a. n.a. n.a609 Walton, Coastal 4,121 50.3% 10 16 12726 Walton, Remainder 500 58.1% 11 18 10

75 Wind Walton 0 n.a. n.a. n.a. n.a934 Washington 183 47.3% 12 18 11

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Territory Territory Description Rate Level Rate Change Premium Premium ChangeTotal 9,709,838 230.1% 65 215

Notes:(1) From Exhibit 14, Column (4) of Territorial Rate Analysis. Excludes FHCF buildup.(2) From Exhibit 14, Column (12) of Territorial Rate Analysis. Excludes FHCF buildup.(3) Equal to (3) divided by the number of inforce policies that have the optional sinkhole coverage.(4) = (3) * [1+(2)].(5) Approved sinkhole average premium change in 2012 rate filing.


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