Directory · Connecticut · Flood

Who writes flood in Connecticut

Top insurer groups from the NAIC market share report; the state's list carries no lines of authority.

Assurant Inc Group wrote the most flood in Connecticut in 2025, $10.0M and 24.4% of the state's premium; the top five groups hold 76%. Connecticut's company list doesn't say which lines each company is licensed for, so the ranking below is the NAIC's top 10 groups; every licensed company is on the Connecticut page.

By Sam Alishahi, independent insurance broker · All lines in Connecticut

Top 10 · NAIC table: 02.3 - Federal Flood

The insurer groups that write the most flood in Connecticut

Top 10 insurer groups by direct premium written in 2025, from the NAIC's Market Share Reports for Property/Casualty Groups and Companies by State. A group is the parent and its insurance companies together; share is the group's part of the state total for the line; loss ratio is losses incurred over premium earned.

#	Insurer group	Premium written	Share	Loss ratio	Member companies here
1	Assurant Inc Group	$10.0M	24.39%	1%	Virginia Surety Company, Inc., American Bankers Insurance Company of Florida, American Security Insurance Company, Standard Guaranty Insurance Company
2	Selective Insurance Group	$7.1M	17.45%	3%	Selective Insurance Company of America, Selective Insurance Company of the Southeast, Selective Insurance Company of South Carolina, Mesa Underwriters Specialty Insurance Company
3	Hartford Fire & Casualty Group	$5.7M	13.87%	0%	Hartford Fire Insurance Company, Hartford Underwriters Insurance Company, Hartford Casualty Insurance Company, Twin City Fire Insurance Company (The)
4	Wright National Flood Insurance Company	$4.9M	12.01%	—	—
5	Allstate Insurance Group	$3.4M	8.38%	1%	Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
6	Mapfre Insurance Group	$2.9M	6.97%	1%	Commerce West Insurance Company, MAPFRE Insurance Company, American Commerce Insurance Company, Auto Club MAPFRE Insurance Company
7	United Serv Automobile Assn Group	$2.3M	5.65%	1%	United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
8	Liberty Mutual Group	$961,000	2.35%	22%	Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
9	Farmers Insurance Group	$929,000	2.27%	—	Farmers Insurance Exchange, Foremost Insurance Company Grand Rapids, Michigan, Mid-Century Insurance Company, Fire Insurance Exchange Fire Underwriters Association
10	Tokio Marine Holdings Inc Group	$804,000	1.97%	8%	Philadelphia Indemnity Insurance Company, Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact, Safety National Casualty Corporation, Producers Agriculture Insurance Company

Turned down?

Last resort for flood in Connecticut

Last resort	Lines	Where	How to get in
Surplus lines and Lloyd's open market	all	all states, under each state's diligent-search rules	Through surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last step	Source

Method and source

Source: the Connecticut insurance regulator company list, read 2026-10-18 and the surplus lines list. CT Insurance Department PDF 'List of Licensed Insurance Companies, Approved/Accredited Reinsurers and Surplus Lines Insurers in Connecticut' as of September 30, 2026. One document covers everything: 'admitted' here is every row whose company type is not 'Excess and Surplus Lines', with the type kept as given so the merge can filter (type == 'Property Casualty' for admitted P&C; 'Life plus Accident and Health', 'Title', 'Fraternal Benefit Society', 'Health Care Centers', 'Mortgage Guaranty' are other lines; 'Accredited', 'Reciprocal Jurisdiction', 'Reinsurance', 'Trusts', 'Pools' rows are reinsurers/trusts, not licensed primary insurers). No lines of authority are published, so 'lines' is always [] and 'since' is always ''. Company names are clipped at the PDF column width (roughly 40 characters, e.g. 'Accident Fund Insurance Company of'), so match on NAIC code; alien insurers, pools and reciprocal-jurisdiction reinsurers carry no NAIC code. Surplus lines 'eligible' date is not published. Type counts: Property Casualty=857, Life plus Accident and Health=386, Excess and Surplus Lines=265, Reciprocal Jurisdiction=63, Accredited=44, Fraternal Benefit Society=34, Title=21, Reinsurance (Property-=20, Certified Reinsurer=18, Trusts=14, Mortgage Guaranty=14, Health Care Centers=13, Pools and Associations=10, Pool=8, Reinsurance (Life)=8, Domicile w/ Similar Statutes=3 "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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