
Who writes flood in Illinois
Ranked by direct premium written in 2025 from the Illinois market share report (every company, not a top-N list).
128 companies wrote flood in Illinois in 2025, $51.5M in direct premium. Hartford Insurance Company of the Midwest led with 7.0%; the top five hold 32%. 150 companies are licensed for the line.
By Sam Alishahi, independent insurance broker · All lines in Illinois
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | Hartford Insurance Company of the Midwest | 37478 | IN | Admitted (licensed) | $3.6M | 6.95% |
| 2 | Employers Insurance Company of Wausau | 21458 | WI | Admitted (licensed) | $3.4M | 6.52% |
| 3 | |Indian Harbor Insurance Company | 36940 | DE | Admitted (licensed) | $3.2M | 6.23% |
| 4 | Selective Insurance Company of the Southeast | 39926 | IN | Admitted (licensed) | $3.1M | 6.02% |
| 5 | Voyager Indemnity Insurance Company | 40428 | GA | Admitted (licensed) | $3.1M | 5.94% |
| 6 | American Bankers Insurance Company of Florida | 10111 | FL | Admitted (licensed) | $2.7M | 5.19% |
| 7 | Wright National Flood Insurance Company | 11523 | TX | Admitted (licensed) | $2.5M | 4.84% |
| 8 | Allstate Insurance Company | 19232 | IL | Admitted (licensed) | $2.4M | 4.65% |
| 9 | Auto-Owners Insurance Company | 18988 | MI | Admitted (licensed) | $2.1M | 4.06% |
| 10 | XL Insurance America, Inc. | 24554 | DE | Admitted (licensed) | $1.7M | 3.38% |
| 11 | Allianz Global Risks US Insurance Company | 35300 | IL | Admitted (licensed) | $1.7M | 3.37% |
| 12 | Liberty Mutual Fire Insurance Company | 23035 | WI | Admitted (licensed) | $1.4M | 2.65% |
| 13 | USAA General Indemnity Company | 18600 | TX | Admitted (licensed) | $1.1M | 2.22% |
| 14 | American Security Insurance Company | 42978 | DE | Admitted (licensed) | $1.1M | 2.17% |
| 15 | Illinois Farmers Insurance Company | 21679 | IL | Admitted (licensed) | $1.1M | 2.07% |
| 16 | NATIONAL FIRE \u0026 MARINE INSURANCE COMPANY\ | 20079 | NE | Admitted (licensed) | $973,994 | 1.89% |
| 17 | Admiral Indemnity Company | 44318 | DE | Admitted (licensed) | $951,981 | 1.85% |
| 18 | Chubb Custom Insurance Company | 38989 | NJ | Admitted (licensed) | $898,109 | 1.74% |
| 19 | Swiss Re Corporate Solutions Elite Insurance Corporation | 29700 | MO | Admitted (licensed) | $867,933 | 1.69% |
| 20 | American Family Mutual Insurance Company, S.I. | 19275 | WI | Admitted (licensed) | $864,618 | 1.68% |
| 21 | MS Transverse Specialty Insurance Company | 41807 | TX | Admitted (licensed) | $802,115 | 1.56% |
| 22 | MIC General Insurance Corporation | 38660 | IL | Admitted (licensed) | $711,745 | 1.38% |
| 23 | Arch Specialty Insurance Company | 21199 | MO | Admitted (licensed) | $636,606 | 1.24% |
| 24 | Endurance American Specialty Insurance Company | 41718 | DE | Admitted (licensed) | $608,970 | 1.18% |
| 25 | Federal Insurance Company | 20281 | IN | Admitted (licensed) | $590,400 | 1.15% |
| 26 | Palomar Specialty Insurance Company | 20338 | OR | Admitted (licensed) | $555,432 | 1.08% |
| 27 | |Landmark American Insurance Company | 33138 | NH | Admitted (licensed) | $500,974 | 0.97% |
| 28 | Fireman's Fund Insurance Company | 21873 | IL | Admitted (licensed) | $495,563 | 0.96% |
| 29 | Homesite Insurance Company of Illinois | 11016 | IL | Admitted (licensed) | $487,728 | 0.95% |
| 30 | Integon National Insurance Company | 29742 | IL | Admitted (licensed) | $479,224 | 0.93% |
| 31 | American Strategic Insurance Corporation | 10872 | IN | Admitted (licensed) | $473,101 | 0.92% |
| 32 | Lexington Insurance Company | 19437 | DE | Admitted (licensed) | $454,989 | 0.88% |
| 33 | Philadelphia Indemnity Insurance Company | 18058 | PA | Admitted (licensed) | $437,658 | 0.85% |
| 34 | Cincinnati Casualty Company (The) | 28665 | OH | Admitted (licensed) | $410,407 | 0.80% |
| 35 | Foremost Insurance Company Grand Rapids, Michigan | 11185 | MI | Admitted (licensed) | $342,026 | 0.66% |
| 36 | Berkley Assurance Company | 32603 | DE | Admitted (licensed) | $340,027 | 0.66% |
| 37 | Berkshire Hathaway Direct Insurance Company | 10391 | NE | Admitted (licensed) | $304,634 | 0.59% |
| 38 | SOMPO AMERICA FIRE \u0026 MARINE INSURANCE COMPANY | 38997 | NY | Admitted (licensed) | $281,565 | 0.55% |
| 39 | Agent Alliance Insurance Company | 10389 | AL | Admitted (licensed) | $270,672 | 0.53% |
| 40 | Farmers Property and Casualty Insurance Company | 26298 | RI | Admitted (licensed) | $241,373 | 0.47% |
| 41 | National General Insurance Company | 23728 | IL | Admitted (licensed) | $240,040 | 0.47% |
| 42 | Cincinnati Insurance Company (The) | 10677 | OH | Admitted (licensed) | $233,998 | 0.45% |
| 43 | National Union Fire Insurance Company of Pittsburgh, Pennsylvania | 19445 | PA | Admitted (licensed) | $233,456 | 0.45% |
| 44 | AIG Property Casualty Company | 19402 | IL | Admitted (licensed) | $213,583 | 0.41% |
| 45 | Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact | 12873 | FL | Admitted (licensed) | $210,612 | 0.41% |
| 46 | Swiss Re Corporate Solutions Capacity Insurance Corporation | 34916 | MO | Admitted (licensed) | $210,197 | 0.41% |
| 47 | Nationwide Mutual Insurance Company | 23787 | OH | Admitted (licensed) | $182,222 | 0.35% |
| 48 | Palomar Excess and Surplus Insurance Company | 16754 | AZ | Admitted (licensed) | $164,166 | 0.32% |
| 49 | CRUM \u0026 FORSTER SPECIALTY INSURANCE COMPANY\ | 44520 | DE | Admitted (licensed) | $154,461 | 0.30% |
| 50 | Mt. Hawley Insurance Company | 37974 | IL | Admitted (licensed) | $134,724 | 0.26% |
| 51 | QBE Insurance (Europe) Limited | 39217 | PA | Admitted (licensed) | $119,785 | 0.23% |
| 52 | Houston Specialty Insurance Company | 12936 | TX | Admitted (licensed) | $111,006 | 0.22% |
| 53 | Verlan Fire Insurance Company | 10815 | NH | Admitted (licensed) | $97,671 | 0.19% |
| 54 | Sutton Specialty Insurance Company | 16848 | OK | Admitted (licensed) | $97,624 | 0.19% |
| 55 | |Trisura Specialty Insurance Company | 16188 | OK | Admitted (licensed) | $94,290 | 0.18% |
| 56 | Fortegra Specialty Insurance Company | 16823 | AZ | Admitted (licensed) | $83,356 | 0.16% |
| 57 | Cumis Insurance Society Incorporated | 10847 | IA | Admitted (licensed) | $63,522 | 0.12% |
| 58 | West Bend Insurance Company | 15350 | WI | Admitted (licensed) | $62,376 | 0.12% |
| 59 | Aspen Specialty Insurance Company | 10717 | ND | Admitted (licensed) | $52,275 | 0.10% |
| 60 | Tokio Marine Specialty Insurance Company | 23850 | DE | Admitted (licensed) | $49,464 | 0.10% |
| 61 | QBE Specialty Insurance Company | 11515 | ND | Admitted (licensed) | $42,243 | 0.08% |
| 62 | New Hampshire Insurance Company | 23841 | IL | Admitted (licensed) | $38,580 | 0.07% |
| 63 | Sentry Insurance Company | 24988 | WI | Admitted (licensed) | $34,322 | 0.07% |
| 64 | Middlesex Insurance Company | 23434 | WI | Admitted (licensed) | $34,217 | 0.07% |
| 65 | EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company) | 21415 | IA | Admitted (licensed) | $27,297 | 0.05% |
| 66 | Nationwide Affinity Insurance Company of America | 26093 | OH | Admitted (licensed) | $26,883 | 0.05% |
| 67 | Granite State Insurance Company | 23809 | IL | Admitted (licensed) | $26,875 | 0.05% |
| 68 | Nationwide Property and Casualty Insurance Company | 37877 | OH | Admitted (licensed) | $24,368 | 0.05% |
| 69 | Citizens Ins Co Of IL | 10714 | IL | Admitted (licensed) | $22,727 | 0.04% |
| 70 | Arch Insurance (UK) Limited | 11150 | MO | Admitted (licensed) | $22,352 | 0.04% |
| 71 | Illinois Union Insurance Company | 27960 | IL | Admitted (licensed) | $21,627 | 0.04% |
| 72 | Fireman's Fund Indemnity Corporation | 11380 | NJ | Admitted (licensed) | $18,719 | 0.04% |
| 73 | American National Property and Casualty Company | 28401 | NE | Admitted (licensed) | $17,316 | 0.03% |
| 74 | Massachusetts Bay Insurance Company | 22306 | NH | Admitted (licensed) | $17,128 | 0.03% |
| 75 | Union Insurance Company | 25844 | IA | Admitted (licensed) | $14,077 | 0.03% |
| 76 | Mitsui Sumitomo Insurance Company of America | 20362 | NY | Admitted (licensed) | $12,498 | 0.02% |
| 77 | Nationwide Insurance Company of America | 25453 | OH | Admitted (licensed) | $10,775 | 0.02% |
| 78 | Swiss Re Corporate Solutions America Insurance Corporation | 29874 | MO | Admitted (licensed) | $9,068 | 0.02% |
| 79 | EMCASCO Insurance Company | 21407 | IA | Admitted (licensed) | $8,916 | 0.02% |
| 80 | StarNet Insurance Company | 40045 | IA | Admitted (licensed) | $8,328 | 0.02% |
| 81 | Bankers Insurance Company | 33162 | FL | Admitted (licensed) | $7,688 | 0.01% |
| 82 | Nationwide Agribusiness Insurance Company | 28223 | IA | Admitted (licensed) | $7,655 | 0.01% |
| 83 | Cincinnati Indemnity Company (The) | 23280 | OH | Admitted (licensed) | $7,245 | 0.01% |
| 84 | Sentry Select Insurance Company | 21180 | WI | Admitted (licensed) | $7,042 | 0.01% |
| 85 | Hartford Fire Insurance Company | 19682 | CT | Admitted (licensed) | $6,608 | 0.01% |
| 86 | Firemen's Insurance Company of Washington, D. C. | 21784 | IA | Admitted (licensed) | $6,499 | 0.01% |
| 87 | |Hadron Specialty Insurance Company | 17534 | AR | Admitted (licensed) | $6,104 | 0.01% |
| 88 | L M Insurance Corporation | 33600 | IL | Admitted (licensed) | $5,931 | 0.01% |
| 89 | Sompo America Insurance Company | 11126 | NY | Admitted (licensed) | $5,844 | 0.01% |
| 90 | Continental Western Insurance Company | 10804 | IA | Admitted (licensed) | $5,508 | 0.01% |
| 91 | General Insurance Company of America | 24732 | NH | Admitted (licensed) | $5,464 | 0.01% |
| 92 | American Casualty Company of Reading, Pennsylvania | 20427 | PA | Admitted (licensed) | $5,427 | 0.01% |
| 93 | Transportation Insurance Company | 20494 | IL | Admitted (licensed) | $4,783 | 0.01% |
| 94 | United States Fire Insurance Company | 21113 | DE | Admitted (licensed) | $4,090 | 0.01% |
| 95 | Hanover American Insurance Company (The) | 36064 | NH | Admitted (licensed) | $3,828 | 0.01% |
| 96 | Berkley National Insurance Company | 38911 | IA | Admitted (licensed) | $3,365 | 0.01% |
| 97 | Berkley Regional Insurance Company | 29580 | IA | Admitted (licensed) | $3,308 | 0.01% |
| 98 | AMCO Insurance Company | 19100 | IA | Admitted (licensed) | $3,143 | 0.01% |
| 99 | Allied Insurance Company of America | 10127 | OH | Admitted (licensed) | $2,918 | 0.01% |
| 100 | SECURA Insurance Company | 22543 | WI | Admitted (licensed) | $2,562 | 0.00% |
| 101 | Hanover Insurance Company (The) | 22292 | NH | Admitted (licensed) | $2,270 | 0.00% |
| 102 | Mitsui Sumitomo Insurance USA Inc. | 22551 | NY | Admitted (licensed) | $1,884 | 0.00% |
| 103 | Valley Forge Insurance Company | 20508 | PA | Admitted (licensed) | $1,861 | 0.00% |
| 104 | MICO Insurance Company | 40932 | OH | Admitted (licensed) | $1,717 | 0.00% |
| 105 | Homeowners of America Insurance Company | 12536 | TX | Admitted (licensed) | $1,658 | 0.00% |
| 106 | Nationwide General Insurance Company | 23760 | OH | Admitted (licensed) | $1,636 | 0.00% |
| 107 | GuideOne National Insurance Company | 14167 | IA | Admitted (licensed) | $1,582 | 0.00% |
| 108 | Continental Insurance Company, (The) | 35289 | PA | Admitted (licensed) | $1,315 | 0.00% |
| 109 | First Liberty Insurance Corporation (The) | 33588 | IL | Admitted (licensed) | $1,308 | 0.00% |
| 110 | Scottsdale Insurance Company | 41297 | OH | Admitted (licensed) | $1,250 | 0.00% |
| 111 | Continental Casualty Company | 20443 | IL | Admitted (licensed) | $1,238 | 0.00% |
| 112 | Berkley Luxury Insurance Company | 17673 | IA | Admitted (licensed) | $1,211 | 0.00% |
| 113 | Citizens Insurance Company of America | 31534 | MI | Admitted (licensed) | $1,169 | 0.00% |
| 114 | Great American Insurance Company | 16691 | OH | Admitted (licensed) | $1,135 | 0.00% |
| 115 | Acadia Insurance Company | 31325 | IA | Admitted (licensed) | $1,039 | 0.00% |
| 116 | North River Insurance Company (The) | 21105 | NJ | Admitted (licensed) | $1,022 | 0.00% |
| 117 | National Fire Insurance Company of Hartford | 20478 | IL | Admitted (licensed) | $887 | 0.00% |
| 118 | Stillwater Property and Casualty Insurance Company | 16578 | NY | Admitted (licensed) | $664 | 0.00% |
| 119 | Midwest Family Mutual Insurance Company | 23574 | IA | Admitted (licensed) | $425 | 0.00% |
| 120 | Obsidian Specialty Insurance Company | 16871 | DE | Admitted (licensed) | $414 | 0.00% |
| 121 | Liberty Mutual Insurance Company | 42404 | IL | Admitted (licensed) | $265 | 0.00% |
| 122 | Allmerica Financial Benefit Insurance Company | 41840 | MI | Admitted (licensed) | $250 | 0.00% |
| 123 | Intrepid Insurance Company | 10749 | IA | Admitted (licensed) | $145 | 0.00% |
| 124 | Liberty Surplus Insurance Corporation | 10725 | NH | Admitted (licensed) | $78 | 0.00% |
| 125 | NATIONAL LIABILITY \u0026 FIRE INSURANCE COMPANY | 20052 | CT | Admitted (licensed) | $33 | 0.00% |
| 126 | Accelerant Specialty Insurance Company | 16890 | AR | Admitted (licensed) | $28 | 0.00% |
| 127 | Liberty Mutual Insurance Company | 23043 | MA | Admitted (licensed) | $13 | 0.00% |
| 128 | Tri-State Insurance Company of Minnesota | 31003 | IA | Admitted (licensed) | $1 | 0.00% |
Method and source
Source: the Illinois insurance regulator company list, read 2026-10-18. IDOI 2025 Market Share Report: Property and Casualty (published March 2026, 2025 annual-statement data). Lists every company with Illinois business written on the P&C statement: licensed companies, surplus lines insurers and risk retention groups together, with no status/type flag, so type is '' for all rows and the list is NOT a certificate-of-authority roster (a licensed company with zero IL premium and zero losses is omitted; non-admitted writers are included). 'lines' = P&C statement lines of business the company reported IL premium or losses under (48 of 54 lines have entries), a proxy for lines of authority. No 'since' date in the source. No Illinois surplus lines eligibility list exists (IL has no white list). 26 companies had a name or domicile cell missing in at least one PDF row; filled from the same NAIC code's other rows. "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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