Directory · Idaho · Flood

Who writes flood in Idaho

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

Axa Insurance Group wrote the most flood in Idaho in 2025, $583,000 and 19.0% of the state's premium; the top five groups hold 63%. 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: 02.5 - Private Flood

The insurer groups that write the most flood 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	Axa Insurance Group	$583,000	18.97%	5%	XL Specialty Insurance Company, XL Insurance America, Inc., Greenwich Insurance Company, \|Indian Harbor Insurance Company
2	Arch Insurance Group	$368,000	11.98%	—	Arch Insurance (UK) Limited, Arch Mortgage Insurance Company, Arch Indemnity Insurance Company, Arch Specialty Insurance Company
3	Assurant Inc Group	$339,000	11.03%	—	Virginia Surety Company, Inc., American Bankers Insurance Company of Florida, American Security Insurance Company, Standard Guaranty Insurance Company
4	Allstate Insurance Group	$334,000	10.88%	3%	Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
5	Chubb Ltd Group	$324,000	10.55%	5%	Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
6	American International Group	$242,000	7.89%	48%	National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
7	Ms & Ad Insurance Group	$187,000	6.07%	—	Mitsui Sumitomo Insurance Company of America, MS Transverse Insurance Company, MS Transverse Specialty Insurance Company, Mitsui Sumitomo Insurance USA Inc.
8	Liberty Mutual Group	$120,000	3.89%	0%	Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
9	Allianz Insurance Group	$117,000	3.80%	—	Allianz Global Risks US Insurance Company, Jefferson Insurance Company, Fireman's Fund Insurance Company, AGCS Marine Insurance Company
10	Swiss Re Group	$109,000	3.55%	13%	Swiss Re Corporate Solutions Elite Insurance Corporation, Swiss Re Corporate Solutions America Insurance Corporation, Swiss Re Corporate Solutions Capacity Insurance Corporation, Swiss Re Corporate Solutuions Premier Insurance Corporation

Turned down?

Last resort for flood 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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