Fair plans are property insurance pools that sell to people who cannot buy coverage in the voluntary market because of high risks such as hurricanes. FAIR plans, which exist in 28 states and the District of Columbia, insure against losses from fire, vandalism, riot, and windstorm losses. Some sell homeowners insurance that includes liability. Plans vary by state, but all require property insurers licensed in the state to participate in the pool and share in the profit and losses in the same proportion the companies write voluntary business. Often an insured must show that the property has been turned down in the voluntary market.In seven Atlantic and Gulf Coast states there are also “Beach and Windstorm” plans. Residences and businesses in certain areas of these states can purchase coverage against hurricanes and other severe windstorms. Plans differ in each of these states. Beach and Windstorm plans are available in New York, North Carolina, South Carolina, Florida, Alabama, Mississippi, and Texas. (See Assigned Risk; Joint Underwriting Association; Residual Market).