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Directory · North Carolina · Flood

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

Top 10 · NAIC table: 02.3 - Federal Flood

The insurer groups that write the most flood in North Carolina

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 groupPremium writtenShareLoss ratioMember companies here
1North Carolina Farm Bureau Group$16.6M17.30%15%North Carolina Farm Bur Mut Ins Co, Farm Bureau Ins Of Nc Inc
2Selective Insurance Group$14.8M15.46%58%Selective Insurance Company of America, Selective Insurance Company of the Southeast, Selective Insurance Company of South Carolina, Mesa Underwriters Specialty Insurance Company
3Allstate Insurance Group$13.6M14.22%43%Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
4Hartford Fire & Casualty Group$11.0M11.42%212%Hartford Fire Insurance Company, Hartford Underwriters Insurance Company, Hartford Casualty Insurance Company, Twin City Fire Insurance Company (The)
5Assurant Inc Group$10.4M10.82%86%Virginia Surety Company, Inc., American Bankers Insurance Company of Florida, American Security Insurance Company, Standard Guaranty Insurance Company
6Wright National Flood Insurance Company$9.6M10.01%——
7United Serv Automobile Assn Group$8.0M8.32%25%United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
8Auto Owners Group$3.7M3.90%—Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company
9Bankers Insurance Group$3.5M3.69%17%Bankers Insurance Company, First Community Insurance Company, Bonded Builders Insurance Company, A Risk Retention Group
10Progressive Group$872,0000.91%31%Progressive County Mutual Insurance Company, United Financial Casualty Company, Progressive Universal Insurance Company, Progressive Direct Insurance Company
Flood · North Carolina

The companies

#CompanyNAICHome stateStatus herePremiumShare
1North Carolina Farm Bur Mut Ins Co14842NCAdmitted (licensed)$16.6M12.77%
2Selective Insurance Company of the Southeast39926INAdmitted (licensed)$14.8M11.41%
3Hartford Insurance Company of the Midwest37478INAdmitted (licensed)$11.0M8.43%
4American Bankers Insurance Company of Florida10111FLAdmitted (licensed)$10.4M7.98%
5Integon National Insurance Company29742ILAdmitted (licensed)$10.2M7.84%
6Wright National Flood Insurance Company11523TXAdmitted (licensed)$9.6M7.42%
7USAA General Indemnity Company18600TXAdmitted (licensed)$8.0M6.14%
8MS Transverse Specialty Insurance Company41807TXSurplus lines (eligible)$4.6M3.57%
9Auto-Owners Insurance Company18988MIAdmitted (licensed)$3.8M2.94%
10|Indian Harbor Insurance Company36940DESurplus lines (eligible)$3.7M2.82%
11Allstate Insurance Company19232ILAdmitted (licensed)$3.6M2.80%
12Bankers Insurance Company33162FLAdmitted (licensed)$3.5M2.72%
13QBE Specialty Insurance Company11515NDSurplus lines (eligible)$2.8M2.14%
14National General Insurance Company23728ILAdmitted (licensed)$2.3M1.81%
15Employers Insurance Company of Wausau21458WIAdmitted (licensed)$2.2M1.69%
16National General Premier Insurance Company12832CASurplus lines (eligible)$1.7M1.34%
17American Security Insurance Company42978DEAdmitted (licensed)$1.5M1.15%
18National Union Fire Insurance Company of Pittsburgh, Pennsylvania19445PAAdmitted (licensed)$1.5M1.14%
19NATIONAL FIRE \u0026 MARINE INSURANCE COMPANY\20079NESurplus lines (eligible)$1.3M0.99%
20Liberty Mutual Fire Insurance Company23035WIAdmitted (licensed)$1.2M0.92%
21Endurance American Specialty Insurance Company41718DESurplus lines (eligible)$1.1M0.88%
22Lexington Insurance Company19437DESurplus lines (eligible)$1.0M0.78%
23|Landmark American Insurance Company33138NHSurplus lines (eligible)$975,5080.75%
24Voyager Indemnity Insurance Company40428GASurplus lines (eligible)$945,0180.73%
25American Strategic Insurance Corporation10872INAdmitted (licensed)$872,1730.67%
26Arch Specialty Insurance Company21199MOSurplus lines (eligible)$859,0730.66%
27XL Insurance America, Inc.24554DEAdmitted (licensed)$788,0600.61%
28Fireman's Fund Insurance Company21873ILAdmitted (licensed)$775,1420.60%
29Allianz Global Risks US Insurance Company35300ILAdmitted (licensed)$738,9600.57%
30QBE Insurance (Europe) Limited39217PAAdmitted (licensed)$717,2280.55%
31Fortegra Specialty Insurance Company16823AZSurplus lines (eligible)$649,8470.50%
32Homesite Insurance Company17221MAAdmitted (licensed)$577,4100.44%
33Swiss Re Corporate Solutions Elite Insurance Corporation29700MOAdmitted (licensed)$545,5600.42%
34Foremost Insurance Company Grand Rapids, Michigan11185MIAdmitted (licensed)$497,7770.38%
35Berkshire Hathaway Direct Insurance Company10391NEAdmitted (licensed)$340,8510.26%
36Obsidian Specialty Insurance Company16871DESurplus lines (eligible)$338,8640.26%
37First Protective Insurance Company10897FLAdmitted (licensed)$285,4650.22%
38Cumis Insurance Society Incorporated10847IAAdmitted (licensed)$210,9220.16%
39Owners Insurance Company32700OHAdmitted (licensed)$180,8510.14%
40Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact12873FLAdmitted (licensed)$171,2830.13%
41Swiss Re Corporate Solutions Capacity Insurance Corporation34916MOSurplus lines (eligible)$171,0830.13%
42Farmers Property and Casualty Insurance Company26298RIAdmitted (licensed)$169,4120.13%
43Houston Specialty Insurance Company12936TXSurplus lines (eligible)$168,2570.13%
44Philadelphia Indemnity Insurance Company18058PAAdmitted (licensed)$154,7480.12%
45Federal Insurance Company20281INAdmitted (licensed)$146,0370.11%
46Palomar Excess and Surplus Insurance Company16754AZSurplus lines (eligible)$144,4880.11%
47Sutton Specialty Insurance Company16848OKSurplus lines (eligible)$141,7530.11%
48Mt. Hawley Insurance Company37974ILSurplus lines (eligible)$119,1310.09%
49|Trisura Specialty Insurance Company16188OKSurplus lines (eligible)$113,6830.09%
50SOMPO AMERICA FIRE \u0026 MARINE INSURANCE COMPANY38997NYAdmitted (licensed)$107,2350.08%
51AIG Property Casualty Company19402ILAdmitted (licensed)$99,9470.08%
52StarNet Insurance Company40045IAAdmitted (licensed)$99,3300.08%
53NGM Insurance Company14788FLAdmitted (licensed)$94,4690.07%
54The Members Ins Co12617NCAdmitted (licensed)$89,5960.07%
55Cincinnati Insurance Company (The)10677OHAdmitted (licensed)$87,4670.07%
56Verlan Fire Insurance Company10815NHAdmitted (licensed)$80,2680.06%
57EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company)21415IAAdmitted (licensed)$79,8660.06%
58Incline Casualty Company11090TXAdmitted (licensed)$77,3410.06%
59CRUM \u0026 FORSTER SPECIALTY INSURANCE COMPANY\44520DESurplus lines (eligible)$75,2230.06%
60EMCASCO Insurance Company21407IAAdmitted (licensed)$71,2980.05%
61RSUI Indemnity Company22314NHAdmitted (licensed)$66,1010.05%
62First Mutual Insurance Company43877NCAdmitted (licensed)$52,1770.04%
63Sentry Insurance Company24988WIAdmitted (licensed)$45,2920.03%
64Middlesex Insurance Company23434WIAdmitted (licensed)$41,8470.03%
65Union Insurance Company of Providence21423IAAdmitted (licensed)$38,2140.03%
66Aspen Specialty Insurance Company10717NDSurplus lines (eligible)$35,9420.03%
67One Alliance North America Insurance Company10759TXAdmitted (licensed)$30,0100.02%
68Allied Trust Insurance Company15816TXAdmitted (licensed)$29,4510.02%
69Hartford Fire Insurance Company19682CTAdmitted (licensed)$28,1130.02%
70Cincinnati Casualty Company (The)28665OHAdmitted (licensed)$22,4870.02%
71Hanover American Insurance Company (The)36064NHAdmitted (licensed)$20,6110.02%
72Admiral Indemnity Company44318DEAdmitted (licensed)$17,3840.01%
73Old Dominion Insurance Company40231FLAdmitted (licensed)$15,8340.01%
74Swiss Re Corporate Solutions America Insurance Corporation29874MOAdmitted (licensed)$15,8130.01%
75Liberty Surplus Insurance Corporation10725NHSurplus lines (eligible)$15,8120.01%
76Tokio Marine Specialty Insurance Company23850DESurplus lines (eligible)$15,8110.01%
77Massachusetts Bay Insurance Company22306NHAdmitted (licensed)$14,4120.01%
78Homeowners of America Insurance Company12536TXAdmitted (licensed)$13,5270.01%
79EMC PROPERTY \u0026 CASUALTY COMPANY25186IAAdmitted (licensed)$11,8270.01%
80Fireman's Fund Indemnity Corporation11380NJSurplus lines (eligible)$11,3730.01%
81Nationwide Mutual Insurance Company23787OHAdmitted (licensed)$11,1380.01%
82Mitsui Sumitomo Insurance Company of America20362NYAdmitted (licensed)$10,1720.01%
83Granite State Insurance Company23809ILAdmitted (licensed)$9,6750.01%
84New Hampshire Insurance Company23841ILAdmitted (licensed)$9,1320.01%
85Scottsdale Insurance Company41297OHSurplus lines (eligible)$8,8130.01%
86Transportation Insurance Company20494ILAdmitted (licensed)$7,5930.01%
87Berkley National Insurance Company38911IAAdmitted (licensed)$6,8520.01%
88Spinnaker Specialty Insurance Company17045TXSurplus lines (eligible)$5,8700.00%
89Cincinnati Indemnity Company (The)23280OHAdmitted (licensed)$5,6430.00%
90Arch Insurance (UK) Limited11150MOAdmitted (licensed)$5,4920.00%
91|Hadron Specialty Insurance Company17534ARSurplus lines (eligible)$5,1420.00%
92Sompo America Insurance Company11126NYAdmitted (licensed)$4,6350.00%
93Tri-State Insurance Company of Minnesota31003IAAdmitted (licensed)$3,5000.00%
94GuideOne National Insurance Company14167IASurplus lines (eligible)$3,2500.00%
95Illinois Union Insurance Company27960ILSurplus lines (eligible)$3,1130.00%
96Universal Insurance Company32972NCAdmitted (licensed)$3,0030.00%
97Citizens Insurance Company of America31534MIAdmitted (licensed)$2,5100.00%
98Firemen's Insurance Company of Washington, D. C.21784IAAdmitted (licensed)$2,5000.00%
99Nationwide Agribusiness Insurance Company28223IAAdmitted (licensed)$2,1350.00%
100NATIONAL LIABILITY \u0026 FIRE INSURANCE COMPANY20052CTAdmitted (licensed)$1,6120.00%
101Continental Insurance Company, (The)35289PAAdmitted (licensed)$1,5820.00%
102Liberty Mutual Insurance Company42404ILAdmitted (licensed)$1,5040.00%
103First Liberty Insurance Corporation (The)33588ILAdmitted (licensed)$1,4920.00%
104American Casualty Company of Reading, Pennsylvania20427PAAdmitted (licensed)$1,4560.00%
105Berkley Regional Insurance Company29580IAAdmitted (licensed)$1,1910.00%
106Stillwater Property and Casualty Insurance Company16578NYAdmitted (licensed)$1,0100.00%
107Berkeley Prestige Insurance Company17412IASurplus lines (eligible)$1,0080.00%
108Intrepid Insurance Company10749IAAdmitted (licensed)$8640.00%
109Union Insurance Company25844IAAdmitted (licensed)$8500.00%
110Continental Casualty Company20443ILAdmitted (licensed)$7440.00%
111L M Insurance Corporation33600ILAdmitted (licensed)$5910.00%
112Chubb Custom Insurance Company38989NJSurplus lines (eligible)$5800.00%
113Valley Forge Insurance Company20508PAAdmitted (licensed)$5630.00%
114National Fire Insurance Company of Hartford20478ILAdmitted (licensed)$5090.00%
115Nationwide General Insurance Company23760OHAdmitted (licensed)$5080.00%
116Acadia Insurance Company31325IAAdmitted (licensed)$5000.00%
117Continental Western Insurance Company10804IAAdmitted (licensed)$5000.00%
118Hanover Insurance Company (The)22292NHAdmitted (licensed)$5000.00%
119Nationwide Insurance Company of Florida10948OHAdmitted (licensed)$3460.00%
120Nationwide Mutual Insurance Company10723OHAdmitted (licensed)$1220.00%
121Nationwide Property and Casualty Insurance Company37877OHAdmitted (licensed)$1010.00%
122Liberty Mutual Insurance Company23043MAAdmitted (licensed)$800.00%
123Accelerant Specialty Insurance Company16890ARSurplus lines (eligible)$170.00%
124West Bend Insurance Company15350WIAdmitted (licensed)$20.00%
Turned down?

Last resort for flood in North Carolina

Last resortLinesWhereHow to get in
Surplus lines and Lloyd's open marketallall states, under each state's diligent-search rulesThrough surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last stepSource

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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