Directory · Missouri · Flood

Who writes flood in Missouri

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 Missouri in 2025, $3.1M and 18.9% of the state's premium; the top five groups hold 71%. Missouri'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 Missouri page.

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

Top 10 · NAIC table: 02.3 - Federal Flood

The insurer groups that write the most flood in Missouri

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	$3.1M	18.85%	21%	Selective Insurance Company of America, Selective Insurance Company of the Southeast, Selective Insurance Company of South Carolina, Mesa Underwriters Specialty Insurance Company
2	Assurant Inc Group	$2.8M	16.94%	37%	Virginia Surety Company, Inc., American Bankers Insurance Company of Florida, American Security Insurance Company, Standard Guaranty Insurance Company
3	Wright National Flood Insurance Company	$2.5M	15.37%	8%	—
4	Hartford Fire & Casualty Group	$1.6M	10.10%	27%	Hartford Fire Insurance Company, Hartford Underwriters Insurance Company, Hartford Casualty Insurance Company, Twin City Fire Insurance Company (The)
5	Auto Owners Group	$1.5M	9.35%	13%	Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company
6	American Family Insurance Group	$1.2M	7.39%	31%	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	$991,000	6.08%	28%	Farmers Insurance Exchange, Foremost Insurance Company Grand Rapids, Michigan, Mid-Century Insurance Company, Fire Insurance Exchange Fire Underwriters Association
8	United Serv Automobile Assn Group	$811,000	4.97%	30%	United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
9	Tokio Marine Holdings Inc Group	$590,000	3.62%	43%	Philadelphia Indemnity Insurance Company, Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact, Safety National Casualty Corporation, Producers Agriculture Insurance Company
10	Allstate Insurance Group	$525,000	3.22%	6%	Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company

Turned down?

Last resort for flood in Missouri

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 Missouri insurance regulator company list, read 2026-10-18 and the surplus lines list. Admitted = every ACTIVE Missouri licensee (P&C, life, health, HMO, TPA, warranty, prepaid dental, etc.); filter on type. 'type' is the license Description from each company's detail page (e.g. 'Property and Casualty (Ch 379, RSMo)'); where a detail page was not read, type comes from Missouri market-share membership and is suffixed '(market share)'. 'lines' = lines of business with non-zero direct written premium in the 2025 Missouri market share report (licensed companies only). 'domicile' is only known for companies in the market share report. 'since' = Date Admitted from the detail page. Surplus lines list carries no NAIC code; naic filled by exact normalized-name match (naic_source says where), alien = domicile not a US state code. Detail-page crawl in progress; this file will be rewritten when it finishes. "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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