Homeowners in Wisconsin will target a relatively high CR, but states exposed to significant event + concentration risk like CA, FL, and roughly between DE to CT will need to target significantly lower. Either the company needs to hold significant capital or obtain reinsurance for those mega events and the costs of doing either should be passed on to the policyholders in the states that are the drivers of it.
When I set rates a decade ago CT was typically our lowest expected CR state at like 80% because the profit load had to be high to deal with serious events. We were relatively concentrated there though, it's highly dependent on which states have a lot of exposure for a given company.