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NCCI’s latest report: Intrastate Regional Cost Differences

05 Dec, 2025 WorkersCompensation.com

                               

WHAT: NCCI's latest report, Intrastate Regional Cost Differences , examines differences across geographic regions within NCCI’s three largest jurisdictions by population—Florida, Illinois, and Texas. 

Key Findings:

  • Regional differences in frequency, severity, and overall costs exist within these states.
  • Neither frequency nor severity were identified as consistent drivers of the loss ratio relativities across regions.
  • Differences in results were found for cohorts of policies that span single versus multiple regions within a state.

WHY IT MATTERS: These metrics provide insight into regional differences in frequency, severity, and overall costs across these jurisdictions. Every state has its own story, and by examining these metrics, we expand on the story.  

WHAT ELSE: Differences in the workers compensation system manifest across jurisdictions for many reasons: population, employment, industry mix, injury mix, compensability and benefit structures, treatment guidelines, medical fee schedules, and attorney involvement, just to name a few. The volume of data collected also varies across jurisdictions, with larger jurisdictions typically collecting significantly more data than smaller ones. Prior NCCI research has provided insight on many of these differences between jurisdictions.

TO LEARN MORE:  Check out the complete report for more and a ​downloadable file that provides a deeper dive into the data.

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