Directory · Georgia · Flood

Who writes flood in Georgia

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

Wright National Flood Insurance Co. wrote the most flood in Georgia in 2025, $11.9M and 23.9% of the state's premium; the top five groups hold 76%. Georgia'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 Georgia page.

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

Top 10 · NAIC table: 02.3 - Federal Flood

The insurer groups that write the most flood in Georgia

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	Wright National Flood Insurance Company	$11.9M	23.95%	—	—
2	Assurant Inc Group	$8.4M	16.93%	10%	Virginia Surety Company, Inc., American Bankers Insurance Company of Florida, American Security Insurance Company, Standard Guaranty Insurance Company
3	Allstate Insurance Group	$6.7M	13.45%	14%	Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
4	United Serv Automobile Assn Group	$6.0M	12.06%	4%	United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
5	Selective Insurance Group	$4.7M	9.47%	1%	Selective Insurance Company of America, Selective Insurance Company of the Southeast, Selective Insurance Company of South Carolina, Mesa Underwriters Specialty Insurance Company
6	Hartford Fire & Casualty Group	$2.6M	5.16%	141%	Hartford Fire Insurance Company, Hartford Underwriters Insurance Company, Hartford Casualty Insurance Company, Twin City Fire Insurance Company (The)
7	Auto Owners Group	$2.4M	4.87%	—	Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company
8	Georgia Farm Bureau Group	$2.0M	3.98%	0%	Georgia Farm Bureau Casualty Insurance Company, Georgia Farm Bureau Mutual Insurance Company
9	Progressive Group	$1.6M	3.29%	24%	Progressive County Mutual Insurance Company, United Financial Casualty Company, Progressive Universal Insurance Company, Progressive Direct Insurance Company
10	Farmers Insurance Group	$963,000	1.95%	24%	Farmers Insurance Exchange, Foremost Insurance Company Grand Rapids, Michigan, Mid-Century Insurance Company, Fire Insurance Exchange Fire Underwriters Association

Turned down?

Last resort for flood in Georgia

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 Georgia insurance regulator company list, read 2026-10-18. Live 'all companies' extract from the GA OCI company search (Content-Type says ms-excel; body is tab-delimited text). Mixes P&C, life/health, HMOs, fraternals, health care corps and farmers' mutuals; the extract has no company-type column, so 'type' is derived from [LINE CODE] (P&C / Life & Health / HMO / Fraternal / Health Care Corp / Farmers Mutual / Other). No domicile column (MAILSTATE is a mailing address), so domicile is ''. 'lines' is [LINE CODE] split on ';'. 'since' is [LICENSE DATE]. A few NAIC codes repeat under the same company name (separate license records); rows are kept as given, dedupe by NAIC on merge. One '(TEST COMPANY)' record is skipped. Captives and RRGs are not in the extract. Georgia publishes no state list of eligible surplus lines insurers. Fetched https://ociapp.oci.ga.gov/Insurers/CompanyDataXL_GUA.aspx; content-type application/vnd.ms-excel; charset=utf-8; 1 rows skipped (blank name, malformed, or test record). "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.

Open to use. Cite "Alishahi Insurance insurance company directory" and link here. CSV · JSON.

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