Who writes flood in California
Ranked by direct premium written in 2025 from the California Department of Insurance market share report (every company, not a top-N list).
73 companies wrote flood in California in 2025, $190.2M in direct premium. Wright National Flood Insurance Company led with 12.7%; the top five hold 50%.
By Sam Alishahi, independent insurance broker · All lines in California
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | Wright National Flood Insurance Company | 11523 | TX | Admitted (licensed) | $24.2M | 12.70% |
| 2 | Fire Insurance Exchange Fire Underwriters Association | 21660 | CA | Admitted (licensed) | $21.8M | 11.47% |
| 3 | Hartford Insurance Company of the Midwest | 37478 | IN | Admitted (licensed) | $20.2M | 10.64% |
| 4 | American Bankers Insurance Company of Florida | 10111 | FL | Admitted (licensed) | $15.9M | 8.36% |
| 5 | Selective Insurance Company of America | 12572 | NJ | Admitted (licensed) | $12.5M | 6.55% |
| 6 | Allstate Insurance Company | 19232 | IL | Admitted (licensed) | $10.7M | 5.61% |
| 7 | CSAA Insurance Exchange | 15539 | CA | Admitted (licensed) | $10.4M | 5.48% |
| 8 | USAA General Indemnity Company | 18600 | TX | Admitted (licensed) | $9.4M | 4.92% |
| 9 | American Security Insurance Company | 42978 | DE | Admitted (licensed) | $7.6M | 4.00% |
| 10 | Employers Insurance Company of Wausau | 21458 | WI | Admitted (licensed) | $7.4M | 3.91% |
| 11 | Berkshire Hathaway Direct Insurance Company | 10391 | NE | Admitted (licensed) | $6.6M | 3.49% |
| 12 | Swiss Re Corporate Solutions Elite Insurance Corporation | 29700 | MO | Admitted (licensed) | $6.4M | 3.37% |
| 13 | Palomar Specialty Insurance Company | 20338 | OR | Admitted (licensed) | $5.5M | 2.87% |
| 14 | Integon National Insurance Company | 29742 | IL | Admitted (licensed) | $3.9M | 2.07% |
| 15 | XL Insurance America, Inc. | 24554 | DE | Admitted (licensed) | $3.7M | 1.94% |
| 16 | Insurance Company of the West | 27847 | CA | Admitted (licensed) | $3.6M | 1.89% |
| 17 | Allianz Global Risks US Insurance Company | 35300 | IL | Admitted (licensed) | $3.2M | 1.70% |
| 18 | Liberty Mutual Fire Insurance Company | 23035 | WI | Admitted (licensed) | $2.8M | 1.49% |
| 19 | Federal Insurance Company | 20281 | IN | Admitted (licensed) | $2.2M | 1.18% |
| 20 | Philadelphia Indemnity Insurance Company | 18058 | PA | Admitted (licensed) | $1.7M | 0.90% |
| 21 | Foremost Insurance Company Grand Rapids, Michigan | 11185 | MI | Admitted (licensed) | $1.5M | 0.79% |
| 22 | ASI Select Insurance Corp. | 14042 | DE | Admitted (licensed) | $1.5M | 0.77% |
| 23 | Homesite Insurance Company of California | 11005 | CA | Admitted (licensed) | $1.4M | 0.75% |
| 24 | Cincinnati Insurance Company (The) | 10677 | OH | Admitted (licensed) | $1.3M | 0.67% |
| 25 | Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact | 12873 | FL | Admitted (licensed) | $732,359 | 0.39% |
| 26 | SOMPO AMERICA FIRE \u0026 MARINE INSURANCE COMPANY | 38997 | NY | Admitted (licensed) | $617,837 | 0.32% |
| 27 | QBE Insurance (Europe) Limited | 39217 | PA | Admitted (licensed) | $616,635 | 0.32% |
| 28 | Fireman's Fund Insurance Company | 21873 | IL | Admitted (licensed) | $531,355 | 0.28% |
| 29 | Mid-Century Insurance Company | 21687 | CA | Admitted (licensed) | $459,736 | 0.24% |
| 30 | One Alliance North America Insurance Company | 10759 | TX | Admitted (licensed) | $268,118 | 0.14% |
| 31 | Bankers Standard Insurance Company | 18279 | PA | Admitted (licensed) | $256,715 | 0.13% |
| 32 | American National Property and Casualty Company | 28401 | NE | Admitted (licensed) | $246,640 | 0.13% |
| 33 | Nationwide Mutual Insurance Company | 23787 | OH | Admitted (licensed) | $162,461 | 0.09% |
| 34 | Granite State Insurance Company | 23809 | IL | Admitted (licensed) | $98,810 | 0.05% |
| 35 | L M Insurance Corporation | 33600 | IL | Admitted (licensed) | $92,727 | 0.05% |
| 36 | Continental Insurance Company, (The) | 35289 | PA | Admitted (licensed) | $79,323 | 0.04% |
| 37 | Arch Insurance (UK) Limited | 11150 | MO | Admitted (licensed) | $78,084 | 0.04% |
| 38 | Swiss Re Corporate Solutions America Insurance Corporation | 29874 | MO | Admitted (licensed) | $59,067 | 0.03% |
| 39 | Sompo America Insurance Company | 11126 | NY | Admitted (licensed) | $41,563 | 0.02% |
| 40 | Bankers Insurance Company | 33162 | FL | Admitted (licensed) | $34,737 | 0.02% |
| 41 | Verlan Fire Insurance Company | 10815 | NH | Admitted (licensed) | $33,440 | 0.02% |
| 42 | Liberty Mutual Insurance Company | 42404 | IL | Admitted (licensed) | $24,679 | 0.01% |
| 43 | First Liberty Insurance Corporation (The) | 33588 | IL | Admitted (licensed) | $23,620 | 0.01% |
| 44 | Mitsui Sumitomo Insurance Company of America | 20362 | NY | Admitted (licensed) | $22,646 | 0.01% |
| 45 | Nationwide Agribusiness Insurance Company | 28223 | IA | Admitted (licensed) | $20,881 | 0.01% |
| 46 | Mitsui Sumitomo Insurance USA Inc. | 22551 | NY | Admitted (licensed) | $18,537 | 0.01% |
| 47 | New Hampshire Insurance Company | 23841 | IL | Admitted (licensed) | $18,256 | 0.01% |
| 48 | Transportation Insurance Company | 20494 | IL | Admitted (licensed) | $16,115 | 0.01% |
| 49 | American Casualty Company of Reading, Pennsylvania | 20427 | PA | Admitted (licensed) | $15,556 | 0.01% |
| 50 | American Commerce Insurance Company | 19941 | OH | Admitted (licensed) | $14,625 | 0.01% |
| 51 | Intrepid Insurance Company | 10749 | IA | Admitted (licensed) | $13,422 | 0.01% |
| 52 | Stillwater Insurance Company | 25180 | CA | Admitted (licensed) | $11,649 | 0.01% |
| 53 | StarNet Insurance Company | 40045 | IA | Admitted (licensed) | $11,399 | 0.01% |
| 54 | Sentry Insurance Company | 24988 | WI | Admitted (licensed) | $10,362 | 0.01% |
| 55 | National Fire Insurance Company of Hartford | 20478 | IL | Admitted (licensed) | $9,169 | 0.00% |
| 56 | Continental Casualty Company | 20443 | IL | Admitted (licensed) | $8,860 | 0.00% |
| 57 | Valley Forge Insurance Company | 20508 | PA | Admitted (licensed) | $8,189 | 0.00% |
| 58 | Crestbrook Insurance Company | 18961 | OH | Admitted (licensed) | $7,880 | 0.00% |
| 59 | Stillwater Property and Casualty Insurance Company | 16578 | NY | Admitted (licensed) | $7,261 | 0.00% |
| 60 | Middlesex Insurance Company | 23434 | WI | Admitted (licensed) | $6,295 | 0.00% |
| 61 | Hanover Insurance Company (The) | 22292 | NH | Admitted (licensed) | $3,668 | 0.00% |
| 62 | United States Fire Insurance Company | 21113 | DE | Admitted (licensed) | $3,149 | 0.00% |
| 63 | Berkley Regional Insurance Company | 29580 | IA | Admitted (licensed) | $2,316 | 0.00% |
| 64 | Admiral Indemnity Company | 44318 | DE | Admitted (licensed) | $2,199 | 0.00% |
| 65 | Hartford Fire Insurance Company | 19682 | CT | Admitted (licensed) | $1,871 | 0.00% |
| 66 | Berkley National Insurance Company | 38911 | IA | Admitted (licensed) | $1,594 | 0.00% |
| 67 | Massachusetts Bay Insurance Company | 22306 | NH | Admitted (licensed) | $1,338 | 0.00% |
| 68 | Nationwide General Insurance Company | 23760 | OH | Admitted (licensed) | $1,338 | 0.00% |
| 69 | Cumis Insurance Society Incorporated | 10847 | IA | Admitted (licensed) | $1,166 | 0.00% |
| 70 | Hanover American Insurance Company (The) | 36064 | NH | Admitted (licensed) | $799 | 0.00% |
| 71 | Cincinnati Casualty Company (The) | 28665 | OH | Admitted (licensed) | $207 | 0.00% |
| 72 | Westport Insurance Corporation | 39845 | MO | Admitted (licensed) | $170 | 0.00% |
| 73 | Allmerica Financial Benefit Insurance Company | 41840 | MI | Admitted (licensed) | $61 | 0.00% |
Method and source
Source: the California Department of Insurance company list, read 2026-10-17 and the surplus lines list. California's company search lists every company on file (all lines, including some no longer active); P&C status comes from the merge. "Premium" is direct premium written in the state for the year shown; "share" is that company's part of the state total for the line. A company can be licensed for a line and write none of it, and a surplus lines insurer can write a line without a state license for it.
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