Directory · New Hampshire · Flood

Who writes flood in New Hampshire

Top insurer groups from the NAIC market share report; the state's own licensed-company list isn't available in a form a program can read.

Selective Insurance Group wrote the most flood in New Hampshire in 2025, $1.5M and 19.4% of the state's premium; the top five groups hold 67%. New Hampshire doesn't publish a machine-readable list of every licensed company, so the ranking below is the NAIC's top 10 groups.

By Sam Alishahi, independent insurance broker · All lines in New Hampshire

Top 10 · NAIC table: 02.3 - Federal Flood

The insurer groups that write the most flood in New Hampshire

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	$1.5M	19.45%	1%	Selective Insurance Company of America, Selective Insurance Company of the Southeast, Selective Insurance Company of South Carolina, Mesa Underwriters Specialty Insurance Company
2	Wright National Flood Insurance Company	$1.5M	19.22%	8%	—
3	Assurant Inc Group	$867,000	11.34%	3%	Virginia Surety Company, Inc., American Bankers Insurance Company of Florida, American Security Insurance Company, Standard Guaranty Insurance Company
4	Hartford Fire & Casualty Group	$690,000	9.03%	1%	Hartford Fire Insurance Company, Hartford Underwriters Insurance Company, Hartford Casualty Insurance Company, Twin City Fire Insurance Company (The)
5	Allstate Insurance Group	$627,000	8.21%	3%	Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
6	Mapfre Insurance Group	$479,000	6.27%	0%	Commerce West Insurance Company, MAPFRE Insurance Company, American Commerce Insurance Company, Auto Club MAPFRE Insurance Company
7	United Serv Automobile Assn Group	$441,000	5.77%	—	United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
8	American Family Insurance Group	$347,000	4.55%	—	American Family Mutual Insurance Company, S.I., American Family Connect Property and Casualty Insurance Company, Homesite Insurance Company, American Family Insurance Company
9	Auto Owners Group	$328,000	4.29%	0%	Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company
10	Liberty Mutual Group	$251,000	3.28%	35%	Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company

Turned down?

Last resort for flood in New Hampshire

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

Top insurer groups from the NAIC market share report; the state's own licensed-company list isn't available in a form a program can read. "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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