Directory · Idaho · Earthquake

Who writes earthquake in Idaho

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

Fm Group wrote the most earthquake in Idaho in 2025, $3.4M and 27.6% of the state's premium; the top five groups hold 60%. Idaho'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 Idaho page.

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

Top 10 · NAIC table: 12 - Earthquake

The insurer groups that write the most earthquake in Idaho

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	Fm Group	$3.4M	27.63%	0%	Factory Mutual Insurance Company, Affiliated F M Insurance Company, Appalachian Insurance Company
2	United Serv Automobile Assn Group	$1.2M	9.28%	0%	United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
3	Travelers Group	$1.1M	9.17%	—	Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
4	State Farm Group	$861,000	6.94%	0%	State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
5	Zurich Insurance Group	$822,000	6.62%	0%	Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
6	Chubb Ltd Group	$548,000	4.42%	0%	Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
7	American International Group	$487,000	3.92%	—	National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
8	Axa Insurance Group	$365,000	2.94%	3%	XL Specialty Insurance Company, XL Insurance America, Inc., Greenwich Insurance Company, \|Indian Harbor Insurance Company
9	Auto Owners Group	$361,000	2.91%	0%	Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company
10	Sompo Group	$279,000	2.25%	—	American Agri-Business Insurance Company, Endurance Assurance Corporation, Endurance American Insurance Company, Sompo America Insurance Company

Turned down?

Last resort for earthquake in Idaho

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 Idaho insurance regulator company list, read 2026-10-18 and the surplus lines list. Admitted = every company licensed in Idaho per the DOI 2024 Annual Report roster (pp. 42-76), all four sections kept with 'type' = Health / Life & Annuity / Property & Casualty / Title so the merge can filter; 'since' = IDAHO LICENSE DATE; 'lines' = LINE(S) OF BUSINESS split on ';' (duplicates removed). Counts by type: {'Health': 23, 'Life & Annuity': 419, 'Property & Casualty': 870, 'Title': 18}. Domicile 'Canada' mapped to CN; one row (80659) has no domicile printed. Companies withdrawn in 2024 (report p.35) are not in the roster. Surplus = SLA of Idaho eligible list: no domicile or eligibility date on the page; alien insurers carry an AA- import code in 'import_code' and naic '' (two AA- rows are labelled Foreign on the page but flagged alien here); DECLO ASSURANCE CORPORATION shows code 'ID 4862' (not a NAIC code). "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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