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Directory · Oklahoma · Flood

Who writes flood in Oklahoma

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

63 insurers are licensed for flood in Oklahoma on the regulator's list. Wright National Flood Insurance Co. wrote the most in 2025 (18.8% of the state's premium).

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

Top 10 · NAIC table: 02.3 - Federal Flood

The insurer groups that write the most flood in Oklahoma

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
1Wright National Flood Insurance Company$1.3M18.78%45%—
2Assurant Inc Group$1.1M16.56%60%Virginia Surety Company, Inc., American Bankers Insurance Company of Florida, American Security Insurance Company, Standard Guaranty Insurance Company
3Farmers Insurance Group$950,00014.15%62%Farmers Insurance Exchange, Foremost Insurance Company Grand Rapids, Michigan, Mid-Century Insurance Company, Fire Insurance Exchange Fire Underwriters Association
4United Serv Automobile Assn Group$802,00011.94%79%United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
5Hartford Fire & Casualty Group$673,00010.01%97%Hartford Fire Insurance Company, Hartford Underwriters Insurance Company, Hartford Casualty Insurance Company, Twin City Fire Insurance Company (The)
6Selective Insurance Group$613,0009.12%17%Selective Insurance Company of America, Selective Insurance Company of the Southeast, Selective Insurance Company of South Carolina, Mesa Underwriters Specialty Insurance Company
7Allstate Insurance Group$462,0006.88%55%Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
8Tokio Marine Holdings Inc Group$270,0004.02%43%Philadelphia Indemnity Insurance Company, Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact, Safety National Casualty Corporation, Producers Agriculture Insurance Company
9Progressive Group$150,0002.24%0%Progressive County Mutual Insurance Company, United Financial Casualty Company, Progressive Universal Insurance Company, Progressive Direct Insurance Company
10American Family Insurance Group$115,0001.71%—American Family Mutual Insurance Company, S.I., American Family Connect Property and Casualty Insurance Company, Homesite Insurance Company, American Family Insurance Company
Flood · Oklahoma

The companies

CompanyNAICHome stateStatus hereLines
AIG Property Casualty Company19402ILAdmitted (licensed)Personal auto, Earthquake, Flood +5 more
Allianz Global Risks US Insurance Company35300ILAdmitted (licensed)Aircraft and aviation, Equipment breakdown, Crime (burglary and theft) +6 more
Allstate Insurance Company19232ILAdmitted (licensed)Personal auto, Equipment breakdown, Earthquake +5 more
American Bankers Insurance Company of Florida10111FLAdmitted (licensed)Personal auto, Credit, Flood +4 more
American Casualty Company of Reading, Pennsylvania20427PAAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +7 more
American Guarantee and Liability Insurance Company26247NYAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +7 more
American Home Assurance Company19380NYAdmitted (licensed)Personal auto, Equipment breakdown, Earthquake +4 more
American National Property and Casualty Company28401NEAdmitted (licensed)Aircraft and aviation, Personal auto, Credit +7 more
American Security Insurance Company42978DEAdmitted (licensed)Flood, Homeowners, Inland marine +2 more
American Strategic Insurance Corporation10872INAdmitted (licensed)Flood, Homeowners, Inland marine +2 more
American Zurich Insurance Company40142ILAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +7 more
AmGUARD Insurance Company42390NEAdmitted (licensed)Personal auto, Crime (burglary and theft), Earthquake +5 more
Arch Insurance (UK) Limited11150MOAdmitted (licensed)Personal auto, Equipment breakdown, Credit +9 more
Bankers Insurance Company33162FLAdmitted (licensed)Flood, General liability, Surety bonds
Berkley National Insurance Company38911IAAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +5 more
Berkley Regional Insurance Company29580IAAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +5 more
Berkshire Hathaway Direct Insurance Company10391NEAdmitted (licensed)Personal auto, Equipment breakdown, Earthquake +5 more
Cincinnati Insurance Company (The)10677OHAdmitted (licensed)Personal auto, Equipment breakdown, Earthquake +6 more
Citizens Insurance Company of America31534MIAdmitted (licensed)Equipment breakdown, Earthquake, Flood +2 more
Continental Casualty Company20443ILAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +9 more
Continental Insurance Company, (The)35289PAAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +9 more
Continental Western Insurance Company10804IAAdmitted (licensed)Personal auto, Equipment breakdown, Earthquake +7 more
CSAA General Insurance Company37770INAdmitted (licensed)Personal auto, Earthquake, Flood +4 more
EMC PROPERTY \u0026 CASUALTY COMPANY25186IAAdmitted (licensed)Personal auto, Equipment breakdown, Earthquake +4 more
EMCASCO Insurance Company21407IAAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +6 more
Employers Insurance Company of Wausau21458WIAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +5 more
EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company)21415IAAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +8 more
Farmers Insurance Company, Inc.21628KSAdmitted (licensed)Personal auto, Flood, Homeowners +1 more
Farmers Property and Casualty Insurance Company26298RIAdmitted (licensed)Personal auto, Earthquake, Flood +3 more
Federal Insurance Company20281INAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +9 more
Fireman's Fund Insurance Company21873ILAdmitted (licensed)Equipment breakdown, Earthquake, Flood +4 more
Foremost Insurance Company Grand Rapids, Michigan11185MIAdmitted (licensed)Personal auto, Flood, Homeowners +4 more
Granite State Insurance Company23809ILAdmitted (licensed)Personal auto, Equipment breakdown, Earthquake +5 more
Hanover American Insurance Company (The)36064NHAdmitted (licensed)Personal auto, Equipment breakdown, Earthquake +4 more
Hanover Insurance Company (The)22292NHAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +10 more
Hartford Fire Insurance Company19682CTAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +7 more
Hartford Insurance Company of the Midwest37478INAdmitted (licensed)Personal auto, Flood, Homeowners +4 more
Homesite Indemnity Company20419MAAdmitted (licensed)Flood, Homeowners
Integon National Insurance Company29742ILAdmitted (licensed)Personal auto, Credit, Flood +1 more
Intrepid Insurance Company10749IAAdmitted (licensed)Personal auto, Equipment breakdown, Flood +3 more
Liberty Mutual Fire Insurance Company23035WIAdmitted (licensed)Personal auto, Equipment breakdown, Earthquake +7 more
National Fire Insurance Company of Hartford20478ILAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +7 more
National General Insurance Company23728ILAdmitted (licensed)Personal auto, Credit, Flood
NATIONAL LIABILITY \u0026 FIRE INSURANCE COMPANY20052CTAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +7 more
National Union Fire Insurance Company of Pittsburgh, Pennsylvania19445PAAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +10 more
Nationwide Agribusiness Insurance Company28223IAAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +7 more
New Hampshire Insurance Company23841ILAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +7 more
OCCIDENTAL FIRE \u0026 CASUALTY COMPANY OF NORTH CAROLINA23248NCAdmitted (licensed)Personal auto, Flood, Inland marine +1 more
Palomar Specialty Insurance Company20338ORAdmitted (licensed)Earthquake, Flood, Inland marine
Philadelphia Indemnity Insurance Company18058PAAdmitted (licensed)Personal auto, Crime (burglary and theft), Farm and crop +7 more
Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact12873FLAdmitted (licensed)Personal auto, Flood, Homeowners +3 more
QBE Insurance (Europe) Limited39217PAAdmitted (licensed)Aircraft and aviation, Personal auto, Crime (burglary and theft) +5 more
Selective Insurance Company of the Southeast39926INAdmitted (licensed)Flood
Sentry Insurance Company24988WIAdmitted (licensed)Personal auto, Crime (burglary and theft), Earthquake +6 more
Swiss Re Corporate Solutions America Insurance Corporation29874MOAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +7 more
Swiss Re Corporate Solutions Elite Insurance Corporation29700MOAdmitted (licensed)Equipment breakdown, Earthquake, Flood +2 more
Transportation Insurance Company20494ILAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +7 more
USAA General Indemnity Company18600TXAdmitted (licensed)Personal auto, Earthquake, Flood +5 more
Valley Forge Insurance Company20508PAAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +6 more
Westport Insurance Corporation39845MOAdmitted (licensed)Equipment breakdown, Earthquake, Flood +6 more
Wright National Flood Insurance Company11523TXAdmitted (licensed)Flood
XL Insurance America, Inc.24554DEAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +6 more
Zurich American Insurance Company16535NYAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +10 more
Turned down?

Last resort for flood in Oklahoma

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 Oklahoma insurance regulator company list, read 2026-10-18 and the surplus lines list. Admitted = OID 2024 Annual Report, '2024 LICENSED INSURANCE COMPANIES IN OKLAHOMA' (pp.27-98): every licensed company of every type (P&C, life, health, title, HMO, fraternal, accredited reinsurers, surplus-lines eligible insurers that also hold an OK certificate) with NAIC #, license date (since), domicile and AUTHORIZED LINES as printed (trailing-comma lists; ~1/4 of rows print no lines). The 2024 edition has no company-type column; 'type' comes from the 2023 edition's ST/SCT columns by NAIC match (1533 rows: P&C, Life, Health, Title, optionally '/ Surplus Lines' or '/ Accredited' when the 2023 SCT column said so), else inferred from the lines text and labelled '(inferred from lines)' (5 rows); the rest are '' (no lines printed, not in 2023 list) and are kept. Surplus lines = OID 'Approved Surplus Lines Companies' whitelist as of 09/24/2026: NAIC cocode + name only (no domicile/eligibility date); alien rows carry NAIC AA codes. OID notes the whitelist only lists carriers that applied for inclusion; alien insurers on the NAIC Quarterly Listing are also eligible in OK. "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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