Directory · Iowa · Flood

Who writes flood in Iowa

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

Selective Insurance Group wrote the most flood in Iowa in 2025, $3.2M and 34.1% of the state's premium; the top five groups hold 85%. Iowa'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 Iowa page.

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

Top 10 · NAIC table: 02.3 - Federal Flood

The insurer groups that write the most flood in Iowa

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	Selective Insurance Group	$3.2M	34.06%	14%	Selective Insurance Company of America, Selective Insurance Company of the Southeast, Selective Insurance Company of South Carolina, Mesa Underwriters Specialty Insurance Company
2	Auto Owners Group	$2.0M	21.56%	18%	Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company
3	Assurant Inc Group	$1.1M	11.10%	7%	Virginia Surety Company, Inc., American Bankers Insurance Company of Florida, American Security Insurance Company, Standard Guaranty Insurance Company
4	Wright National Flood Insurance Company	$956,000	10.10%	3%	—
5	Hartford Fire & Casualty Group	$799,000	8.44%	0%	Hartford Fire Insurance Company, Hartford Underwriters Insurance Company, Hartford Casualty Insurance Company, Twin City Fire Insurance Company (The)
6	American Family Insurance Group	$445,000	4.70%	10%	American Family Mutual Insurance Company, S.I., American Family Connect Property and Casualty Insurance Company, Homesite Insurance Company, American Family Insurance Company
7	Farmers Insurance Group	$243,000	2.57%	—	Farmers Insurance Exchange, Foremost Insurance Company Grand Rapids, Michigan, Mid-Century Insurance Company, Fire Insurance Exchange Fire Underwriters Association
8	Allstate Insurance Group	$187,000	1.97%	0%	Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
9	United Serv Automobile Assn Group	$183,000	1.93%	—	United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
10	Tokio Marine Holdings Inc Group	$110,000	1.16%	22%	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 Iowa

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 Iowa insurance regulator company list, read 2026-10-18 and the surplus lines list. Admitted = Iowa Data Hub dataset 667 'Insurance Companies Licensed in Iowa' (Iowa Insurance Division, refreshed weekly, CC BY 4.0). Mixes P&C, Life, Health, State/County Mutual, Fraternal, MEWA and Benevolent entities; 'type' carries the company_type column so the merge can filter (counts: {"State Mutual": 32, "Property Casualty": 1010, "County Mutual": 22, "Health": 96, "Life": 390, "Fraternal": 28, "Benevolent": 2, "MEWA": 6}). No lines-of-authority column and no license-date column, so lines=[] and since=''. The source also has business_license_type (e.g. 'Non Iowa Stock Fire And Casualty Company', 'Non Iowa Mortgage Guaranty Insurer', 'Non Iowa HMO') and ownership_type, not carried here. Rows without an NAIC number are benevolent societies, MEWAs and captive reinsurers. Surplus lines = dataset 559 'American Surplus Lines Companies' (US-domiciled insurers not licensed in Iowa that qualified to write surplus lines); all rows have NAIC codes; alien insurers are not in this list (Iowa follows the NAIC Quarterly Listing of Alien Insurers). The surplus list has no domicile or eligibility-date column: 'domicile' here is the mailing-address state (may differ from statutory domicile) and eligible=''. Downloads are ZIPs from /api/dataset-download?path=datasets/<id>/rows.csv; data.iowa.gov robots.txt allows '*' but blocks AI crawler UAs, so a browser UA is used. Attribute: Iowa Insurance Division via data.iowa.gov (CC BY 4.0). "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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