
Who writes flood in North Carolina
Ranked by direct premium written in 2025 from the North Carolina market share report (every company, not a top-N list).
124 companies wrote flood in North Carolina in 2025, $130.0M in direct premium. North Carolina Farm Bur Mut Ins Co led with 12.8%; the top five hold 48%. 126 companies are licensed for the line.
By Sam Alishahi, independent insurance broker · All lines in North Carolina
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | North Carolina Farm Bur Mut Ins Co | 14842 | NC | Admitted (licensed) | $16.6M | 12.77% |
| 2 | Selective Insurance Company of the Southeast | 39926 | IN | Admitted (licensed) | $14.8M | 11.41% |
| 3 | Hartford Insurance Company of the Midwest | 37478 | IN | Admitted (licensed) | $11.0M | 8.43% |
| 4 | American Bankers Insurance Company of Florida | 10111 | FL | Admitted (licensed) | $10.4M | 7.98% |
| 5 | Integon National Insurance Company | 29742 | IL | Admitted (licensed) | $10.2M | 7.84% |
| 6 | Wright National Flood Insurance Company | 11523 | TX | Admitted (licensed) | $9.6M | 7.42% |
| 7 | USAA General Indemnity Company | 18600 | TX | Admitted (licensed) | $8.0M | 6.14% |
| 8 | MS Transverse Specialty Insurance Company | 41807 | TX | Surplus lines (eligible) | $4.6M | 3.57% |
| 9 | Auto-Owners Insurance Company | 18988 | MI | Admitted (licensed) | $3.8M | 2.94% |
| 10 | |Indian Harbor Insurance Company | 36940 | DE | Surplus lines (eligible) | $3.7M | 2.82% |
| 11 | Allstate Insurance Company | 19232 | IL | Admitted (licensed) | $3.6M | 2.80% |
| 12 | Bankers Insurance Company | 33162 | FL | Admitted (licensed) | $3.5M | 2.72% |
| 13 | QBE Specialty Insurance Company | 11515 | ND | Surplus lines (eligible) | $2.8M | 2.14% |
| 14 | National General Insurance Company | 23728 | IL | Admitted (licensed) | $2.3M | 1.81% |
| 15 | Employers Insurance Company of Wausau | 21458 | WI | Admitted (licensed) | $2.2M | 1.69% |
| 16 | National General Premier Insurance Company | 12832 | CA | Surplus lines (eligible) | $1.7M | 1.34% |
| 17 | American Security Insurance Company | 42978 | DE | Admitted (licensed) | $1.5M | 1.15% |
| 18 | National Union Fire Insurance Company of Pittsburgh, Pennsylvania | 19445 | PA | Admitted (licensed) | $1.5M | 1.14% |
| 19 | NATIONAL FIRE \u0026 MARINE INSURANCE COMPANY\ | 20079 | NE | Surplus lines (eligible) | $1.3M | 0.99% |
| 20 | Liberty Mutual Fire Insurance Company | 23035 | WI | Admitted (licensed) | $1.2M | 0.92% |
| 21 | Endurance American Specialty Insurance Company | 41718 | DE | Surplus lines (eligible) | $1.1M | 0.88% |
| 22 | Lexington Insurance Company | 19437 | DE | Surplus lines (eligible) | $1.0M | 0.78% |
| 23 | |Landmark American Insurance Company | 33138 | NH | Surplus lines (eligible) | $975,508 | 0.75% |
| 24 | Voyager Indemnity Insurance Company | 40428 | GA | Surplus lines (eligible) | $945,018 | 0.73% |
| 25 | American Strategic Insurance Corporation | 10872 | IN | Admitted (licensed) | $872,173 | 0.67% |
| 26 | Arch Specialty Insurance Company | 21199 | MO | Surplus lines (eligible) | $859,073 | 0.66% |
| 27 | XL Insurance America, Inc. | 24554 | DE | Admitted (licensed) | $788,060 | 0.61% |
| 28 | Fireman's Fund Insurance Company | 21873 | IL | Admitted (licensed) | $775,142 | 0.60% |
| 29 | Allianz Global Risks US Insurance Company | 35300 | IL | Admitted (licensed) | $738,960 | 0.57% |
| 30 | QBE Insurance (Europe) Limited | 39217 | PA | Admitted (licensed) | $717,228 | 0.55% |
| 31 | Fortegra Specialty Insurance Company | 16823 | AZ | Surplus lines (eligible) | $649,847 | 0.50% |
| 32 | Homesite Insurance Company | 17221 | MA | Admitted (licensed) | $577,410 | 0.44% |
| 33 | Swiss Re Corporate Solutions Elite Insurance Corporation | 29700 | MO | Admitted (licensed) | $545,560 | 0.42% |
| 34 | Foremost Insurance Company Grand Rapids, Michigan | 11185 | MI | Admitted (licensed) | $497,777 | 0.38% |
| 35 | Berkshire Hathaway Direct Insurance Company | 10391 | NE | Admitted (licensed) | $340,851 | 0.26% |
| 36 | Obsidian Specialty Insurance Company | 16871 | DE | Surplus lines (eligible) | $338,864 | 0.26% |
| 37 | First Protective Insurance Company | 10897 | FL | Admitted (licensed) | $285,465 | 0.22% |
| 38 | Cumis Insurance Society Incorporated | 10847 | IA | Admitted (licensed) | $210,922 | 0.16% |
| 39 | Owners Insurance Company | 32700 | OH | Admitted (licensed) | $180,851 | 0.14% |
| 40 | Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact | 12873 | FL | Admitted (licensed) | $171,283 | 0.13% |
| 41 | Swiss Re Corporate Solutions Capacity Insurance Corporation | 34916 | MO | Surplus lines (eligible) | $171,083 | 0.13% |
| 42 | Farmers Property and Casualty Insurance Company | 26298 | RI | Admitted (licensed) | $169,412 | 0.13% |
| 43 | Houston Specialty Insurance Company | 12936 | TX | Surplus lines (eligible) | $168,257 | 0.13% |
| 44 | Philadelphia Indemnity Insurance Company | 18058 | PA | Admitted (licensed) | $154,748 | 0.12% |
| 45 | Federal Insurance Company | 20281 | IN | Admitted (licensed) | $146,037 | 0.11% |
| 46 | Palomar Excess and Surplus Insurance Company | 16754 | AZ | Surplus lines (eligible) | $144,488 | 0.11% |
| 47 | Sutton Specialty Insurance Company | 16848 | OK | Surplus lines (eligible) | $141,753 | 0.11% |
| 48 | Mt. Hawley Insurance Company | 37974 | IL | Surplus lines (eligible) | $119,131 | 0.09% |
| 49 | |Trisura Specialty Insurance Company | 16188 | OK | Surplus lines (eligible) | $113,683 | 0.09% |
| 50 | SOMPO AMERICA FIRE \u0026 MARINE INSURANCE COMPANY | 38997 | NY | Admitted (licensed) | $107,235 | 0.08% |
| 51 | AIG Property Casualty Company | 19402 | IL | Admitted (licensed) | $99,947 | 0.08% |
| 52 | StarNet Insurance Company | 40045 | IA | Admitted (licensed) | $99,330 | 0.08% |
| 53 | NGM Insurance Company | 14788 | FL | Admitted (licensed) | $94,469 | 0.07% |
| 54 | The Members Ins Co | 12617 | NC | Admitted (licensed) | $89,596 | 0.07% |
| 55 | Cincinnati Insurance Company (The) | 10677 | OH | Admitted (licensed) | $87,467 | 0.07% |
| 56 | Verlan Fire Insurance Company | 10815 | NH | Admitted (licensed) | $80,268 | 0.06% |
| 57 | EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company) | 21415 | IA | Admitted (licensed) | $79,866 | 0.06% |
| 58 | Incline Casualty Company | 11090 | TX | Admitted (licensed) | $77,341 | 0.06% |
| 59 | CRUM \u0026 FORSTER SPECIALTY INSURANCE COMPANY\ | 44520 | DE | Surplus lines (eligible) | $75,223 | 0.06% |
| 60 | EMCASCO Insurance Company | 21407 | IA | Admitted (licensed) | $71,298 | 0.05% |
| 61 | RSUI Indemnity Company | 22314 | NH | Admitted (licensed) | $66,101 | 0.05% |
| 62 | First Mutual Insurance Company | 43877 | NC | Admitted (licensed) | $52,177 | 0.04% |
| 63 | Sentry Insurance Company | 24988 | WI | Admitted (licensed) | $45,292 | 0.03% |
| 64 | Middlesex Insurance Company | 23434 | WI | Admitted (licensed) | $41,847 | 0.03% |
| 65 | Union Insurance Company of Providence | 21423 | IA | Admitted (licensed) | $38,214 | 0.03% |
| 66 | Aspen Specialty Insurance Company | 10717 | ND | Surplus lines (eligible) | $35,942 | 0.03% |
| 67 | One Alliance North America Insurance Company | 10759 | TX | Admitted (licensed) | $30,010 | 0.02% |
| 68 | Allied Trust Insurance Company | 15816 | TX | Admitted (licensed) | $29,451 | 0.02% |
| 69 | Hartford Fire Insurance Company | 19682 | CT | Admitted (licensed) | $28,113 | 0.02% |
| 70 | Cincinnati Casualty Company (The) | 28665 | OH | Admitted (licensed) | $22,487 | 0.02% |
| 71 | Hanover American Insurance Company (The) | 36064 | NH | Admitted (licensed) | $20,611 | 0.02% |
| 72 | Admiral Indemnity Company | 44318 | DE | Admitted (licensed) | $17,384 | 0.01% |
| 73 | Old Dominion Insurance Company | 40231 | FL | Admitted (licensed) | $15,834 | 0.01% |
| 74 | Swiss Re Corporate Solutions America Insurance Corporation | 29874 | MO | Admitted (licensed) | $15,813 | 0.01% |
| 75 | Liberty Surplus Insurance Corporation | 10725 | NH | Surplus lines (eligible) | $15,812 | 0.01% |
| 76 | Tokio Marine Specialty Insurance Company | 23850 | DE | Surplus lines (eligible) | $15,811 | 0.01% |
| 77 | Massachusetts Bay Insurance Company | 22306 | NH | Admitted (licensed) | $14,412 | 0.01% |
| 78 | Homeowners of America Insurance Company | 12536 | TX | Admitted (licensed) | $13,527 | 0.01% |
| 79 | EMC PROPERTY \u0026 CASUALTY COMPANY | 25186 | IA | Admitted (licensed) | $11,827 | 0.01% |
| 80 | Fireman's Fund Indemnity Corporation | 11380 | NJ | Surplus lines (eligible) | $11,373 | 0.01% |
| 81 | Nationwide Mutual Insurance Company | 23787 | OH | Admitted (licensed) | $11,138 | 0.01% |
| 82 | Mitsui Sumitomo Insurance Company of America | 20362 | NY | Admitted (licensed) | $10,172 | 0.01% |
| 83 | Granite State Insurance Company | 23809 | IL | Admitted (licensed) | $9,675 | 0.01% |
| 84 | New Hampshire Insurance Company | 23841 | IL | Admitted (licensed) | $9,132 | 0.01% |
| 85 | Scottsdale Insurance Company | 41297 | OH | Surplus lines (eligible) | $8,813 | 0.01% |
| 86 | Transportation Insurance Company | 20494 | IL | Admitted (licensed) | $7,593 | 0.01% |
| 87 | Berkley National Insurance Company | 38911 | IA | Admitted (licensed) | $6,852 | 0.01% |
| 88 | Spinnaker Specialty Insurance Company | 17045 | TX | Surplus lines (eligible) | $5,870 | 0.00% |
| 89 | Cincinnati Indemnity Company (The) | 23280 | OH | Admitted (licensed) | $5,643 | 0.00% |
| 90 | Arch Insurance (UK) Limited | 11150 | MO | Admitted (licensed) | $5,492 | 0.00% |
| 91 | |Hadron Specialty Insurance Company | 17534 | AR | Surplus lines (eligible) | $5,142 | 0.00% |
| 92 | Sompo America Insurance Company | 11126 | NY | Admitted (licensed) | $4,635 | 0.00% |
| 93 | Tri-State Insurance Company of Minnesota | 31003 | IA | Admitted (licensed) | $3,500 | 0.00% |
| 94 | GuideOne National Insurance Company | 14167 | IA | Surplus lines (eligible) | $3,250 | 0.00% |
| 95 | Illinois Union Insurance Company | 27960 | IL | Surplus lines (eligible) | $3,113 | 0.00% |
| 96 | Universal Insurance Company | 32972 | NC | Admitted (licensed) | $3,003 | 0.00% |
| 97 | Citizens Insurance Company of America | 31534 | MI | Admitted (licensed) | $2,510 | 0.00% |
| 98 | Firemen's Insurance Company of Washington, D. C. | 21784 | IA | Admitted (licensed) | $2,500 | 0.00% |
| 99 | Nationwide Agribusiness Insurance Company | 28223 | IA | Admitted (licensed) | $2,135 | 0.00% |
| 100 | NATIONAL LIABILITY \u0026 FIRE INSURANCE COMPANY | 20052 | CT | Admitted (licensed) | $1,612 | 0.00% |
| 101 | Continental Insurance Company, (The) | 35289 | PA | Admitted (licensed) | $1,582 | 0.00% |
| 102 | Liberty Mutual Insurance Company | 42404 | IL | Admitted (licensed) | $1,504 | 0.00% |
| 103 | First Liberty Insurance Corporation (The) | 33588 | IL | Admitted (licensed) | $1,492 | 0.00% |
| 104 | American Casualty Company of Reading, Pennsylvania | 20427 | PA | Admitted (licensed) | $1,456 | 0.00% |
| 105 | Berkley Regional Insurance Company | 29580 | IA | Admitted (licensed) | $1,191 | 0.00% |
| 106 | Stillwater Property and Casualty Insurance Company | 16578 | NY | Admitted (licensed) | $1,010 | 0.00% |
| 107 | Berkeley Prestige Insurance Company | 17412 | IA | Surplus lines (eligible) | $1,008 | 0.00% |
| 108 | Intrepid Insurance Company | 10749 | IA | Admitted (licensed) | $864 | 0.00% |
| 109 | Union Insurance Company | 25844 | IA | Admitted (licensed) | $850 | 0.00% |
| 110 | Continental Casualty Company | 20443 | IL | Admitted (licensed) | $744 | 0.00% |
| 111 | L M Insurance Corporation | 33600 | IL | Admitted (licensed) | $591 | 0.00% |
| 112 | Chubb Custom Insurance Company | 38989 | NJ | Surplus lines (eligible) | $580 | 0.00% |
| 113 | Valley Forge Insurance Company | 20508 | PA | Admitted (licensed) | $563 | 0.00% |
| 114 | National Fire Insurance Company of Hartford | 20478 | IL | Admitted (licensed) | $509 | 0.00% |
| 115 | Nationwide General Insurance Company | 23760 | OH | Admitted (licensed) | $508 | 0.00% |
| 116 | Acadia Insurance Company | 31325 | IA | Admitted (licensed) | $500 | 0.00% |
| 117 | Continental Western Insurance Company | 10804 | IA | Admitted (licensed) | $500 | 0.00% |
| 118 | Hanover Insurance Company (The) | 22292 | NH | Admitted (licensed) | $500 | 0.00% |
| 119 | Nationwide Insurance Company of Florida | 10948 | OH | Admitted (licensed) | $346 | 0.00% |
| 120 | Nationwide Mutual Insurance Company | 10723 | OH | Admitted (licensed) | $122 | 0.00% |
| 121 | Nationwide Property and Casualty Insurance Company | 37877 | OH | Admitted (licensed) | $101 | 0.00% |
| 122 | Liberty Mutual Insurance Company | 23043 | MA | Admitted (licensed) | $80 | 0.00% |
| 123 | Accelerant Specialty Insurance Company | 16890 | AR | Surplus lines (eligible) | $17 | 0.00% |
| 124 | West Bend Insurance Company | 15350 | WI | Admitted (licensed) | $2 | 0.00% |
Method and source
Source: the North Carolina insurance regulator company list, read 2026-10-18 and the surplus lines list. NCDOI P7 Property and Casualty Experience, year ended 12/31/2025: every company that filed an NC state page (P&C annual statement). 'admitted' = rows whose 'Licensed in NC' column reads 'Licensed' (includes zero-premium licensed companies and NC self-insured workers' comp funds, which have no NAIC code and type 'Self-Insured Workers' Compensation'). 'surplus_lines' = rows reading 'Authorized Surplus Lines Writer' (US nonadmitted insurers that wrote NC surplus lines business that year; alien/Lloyd's not broken out, eligible date not given). Rows 'Not Licensed' or blank (mostly risk retention groups) are dropped. 'type' = Business Type / Company Type [/ Company Sub Type]; all rows are Property and Casualty filers (no life/health in this file). 'lines' = NAIC annual-statement lines of business the company reported in NC with direct premium written or earned > 0 that year (lines actually written, not certificate-of-authority lines). 'since' not given. Status counts in file: {'Licensed': 825, '': 73, 'Authorized Surplus Lines Writer': 193, 'Not Licensed': 39}. "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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