Directory · Massachusetts · Flood

Who writes flood in Massachusetts

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

Assurant Inc Group wrote the most flood in Massachusetts in 2025, $13.2M and 21.2% of the state's premium; the top five groups hold 85%. Massachusetts'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 Massachusetts page.

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

Top 10 · NAIC table: 02.3 - Federal Flood

The insurer groups that write the most flood in Massachusetts

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	Assurant Inc Group	$13.2M	21.22%	—	Virginia Surety Company, Inc., American Bankers Insurance Company of Florida, American Security Insurance Company, Standard Guaranty Insurance Company
2	Hartford Fire & Casualty Group	$13.2M	21.10%	1%	Hartford Fire Insurance Company, Hartford Underwriters Insurance Company, Hartford Casualty Insurance Company, Twin City Fire Insurance Company (The)
3	Wright National Flood Insurance Company	$12.3M	19.66%	—	—
4	Selective Insurance Group	$11.9M	19.13%	2%	Selective Insurance Company of America, Selective Insurance Company of the Southeast, Selective Insurance Company of South Carolina, Mesa Underwriters Specialty Insurance Company
5	United Serv Automobile Assn Group	$2.1M	3.41%	—	United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
6	Allstate Insurance Group	$1.8M	2.93%	2%	Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
7	Tokio Marine Holdings Inc Group	$1.7M	2.78%	16%	Philadelphia Indemnity Insurance Company, Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact, Safety National Casualty Corporation, Producers Agriculture Insurance Company
8	American Family Insurance Group	$1.2M	2.00%	—	American Family Mutual Insurance Company, S.I., American Family Connect Property and Casualty Insurance Company, Homesite Insurance Company, American Family Insurance Company
9	Liberty Mutual Group	$1.2M	1.98%	31%	Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
10	Farmers Insurance Group	$1.0M	1.64%	0%	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 Massachusetts

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 Massachusetts insurance regulator company list, read 2026-10-18 and the surplus lines list. MA Division of Insurance 'Licensed Or Approved Companies' workbook dated October 1, 2026 (sheet XLSX_Approved_Worksheet, 2717 rows across 23 company types). admitted = licensed insurers only: types Property & Casualty, Life, Accident & Health, Title, Fraternal, Health Maintenance Organization, Hospital (M&D) Service Plan (850 Property & Casualty; filter on type). Left out: TPAs, risk purchasing groups, risk retention groups, accredited/certified/reciprocal reinsurers, PBMs, service contract providers and other non-insurer registrants. The master file carries no domicile, lines of authority or license date; its State column is the mailing address, not domicile. domicile is 'MA' only for companies on the DOI's Domestic P&C list, else blank. lines come from the DOI's per-designation lists (Auto Liability 6G, Workers' Compensation 6E, Fidelity & Surety 4G) and are partial: a P&C company with no lines here may still hold other designations. surplus_lines = company types 'Surplus Lines' and 'Reinsurer/Surplus Lines'; eligible date not published; alien inferred (Lloyd's of London or non-US address) since the file gives no domicile. Source list page: https://www.mass.gov/lists/massachusetts-licensed-insurance-companies. "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.

Need flood in Massachusetts?

Someone will insure it. I find who.

Send what you need covered and what happened before. I match it to the companies that take it, down to the last-resort plan if it comes to that. I'm licensed in 48 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida and Washington, where my licenses are still being issued, a partner agency in your state helps in the meantime.

Get a Quote Call (877) 711-4545

Not shopping yet?

Get a reminder before your renewal.

Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.