Directory · Nebraska · Flood

Who writes flood in Nebraska

From the Nebraska company list; alphabetical, since Nebraska doesn't publish every company's premium by line.

3 insurers are licensed for flood in Nebraska on the regulator's list. Auto Owners Group wrote the most in 2025 (18.2% of the state's premium).

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

Top 10 · NAIC table: 02.3 - Federal Flood

The insurer groups that write the most flood in Nebraska

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	Auto Owners Group	$1.0M	18.20%	6%	Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company
2	Selective Insurance Group	$963,000	17.37%	4%	Selective Insurance Company of America, Selective Insurance Company of the Southeast, Selective Insurance Company of South Carolina, Mesa Underwriters Specialty Insurance Company
3	Wright National Flood Insurance Company	$871,000	15.70%	—	—
4	Assurant Inc Group	$847,000	15.28%	15%	Virginia Surety Company, Inc., American Bankers Insurance Company of Florida, American Security Insurance Company, Standard Guaranty Insurance Company
5	Hartford Fire & Casualty Group	$471,000	8.49%	0%	Hartford Fire Insurance Company, Hartford Underwriters Insurance Company, Hartford Casualty Insurance Company, Twin City Fire Insurance Company (The)
6	American Family Insurance Group	$359,000	6.47%	7%	American Family Mutual Insurance Company, S.I., American Family Connect Property and Casualty Insurance Company, Homesite Insurance Company, American Family Insurance Company
7	United Serv Automobile Assn Group	$239,000	4.32%	4%	United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
8	Allstate Insurance Group	$236,000	4.25%	0%	Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
9	Farmers Insurance Group	$225,000	4.05%	—	Farmers Insurance Exchange, Foremost Insurance Company Grand Rapids, Michigan, Mid-Century Insurance Company, Fire Insurance Exchange Fire Underwriters Association
10	Tokio Marine Holdings Inc Group	$153,000	2.75%	23%	Philadelphia Indemnity Insurance Company, Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact, Safety National Casualty Corporation, Producers Agriculture Insurance Company

Flood · Nebraska

The companies

Company	NAIC	Home state	Status here	Lines
American Bankers Insurance Company of Florida	10111	FL	Admitted (licensed)	Personal auto, Commercial auto, Credit +5 more
Berkshire Hathaway Direct Insurance Company	10391	NE	Admitted (licensed)	Personal auto, Equipment breakdown, Commercial auto +6 more
Cincinnati Insurance Company (The)	10677	OH	Admitted (licensed)	Personal auto, Equipment breakdown, Commercial auto +13 more

Turned down?

Last resort for flood in Nebraska

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 Nebraska insurance regulator company list, read 2026-10-18. Nebraska DOI 'Summary of Insurance Business' for statistical year 2024 (companies that reported Nebraska business, split by category: Property and Casualty, Title, Life, Health, Fraternal; each domestic or foreign). 'type' carries the category so the merge can filter to Property and Casualty. 'lines' = lines of business with non-zero 2024 Nebraska direct premium written or earned on the company's summary page (activity, not the certificate of authority); empty for categories without detail (--detail prop). 'since' = YEAR LICENSED from the summary page when the Department shows one (often blank). 'aka' = other names the list shows for the same NAIC code (former names). Domestic rows default domicile NE. No surplus-lines list on this source. "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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