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Directory · Oregon · Flood

Who writes flood in Oregon

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

60 insurers are licensed for flood in Oregon on the regulator's list. Assurant Inc Group wrote the most in 2025 (20.6% of the state's premium).

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

Top 10 · NAIC table: 02.3 - Federal Flood

The insurer groups that write the most flood in Oregon

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
1Assurant Inc Group$3.3M20.57%11%Virginia Surety Company, Inc., American Bankers Insurance Company of Florida, American Security Insurance Company, Standard Guaranty Insurance Company
2Hartford Fire & Casualty Group$3.1M19.35%20%Hartford Fire Insurance Company, Hartford Underwriters Insurance Company, Hartford Casualty Insurance Company, Twin City Fire Insurance Company (The)
3Farmers Insurance Group$2.6M15.81%23%Farmers Insurance Exchange, Foremost Insurance Company Grand Rapids, Michigan, Mid-Century Insurance Company, Fire Insurance Exchange Fire Underwriters Association
4Wright National Flood Insurance Company$1.8M10.95%36%—
5Allstate Insurance Group$1.4M8.40%14%Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
6United Serv Automobile Assn Group$1.3M8.24%30%United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
7Selective Insurance Group$970,0006.01%3%Selective Insurance Company of America, Selective Insurance Company of the Southeast, Selective Insurance Company of South Carolina, Mesa Underwriters Specialty Insurance Company
8American Family Insurance Group$780,0004.84%5%American Family Mutual Insurance Company, S.I., American Family Connect Property and Casualty Insurance Company, Homesite Insurance Company, American Family Insurance Company
9Progressive Group$396,0002.46%4%Progressive County Mutual Insurance Company, United Financial Casualty Company, Progressive Universal Insurance Company, Progressive Direct Insurance Company
10Liberty Mutual Group$185,0001.15%72%Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
Flood · Oregon

The companies

CompanyNAICHome stateStatus hereLines
AIG Property Casualty Company19402ILAdmitted (licensed)Personal auto, Earthquake, Flood +4 more
Allianz Global Risks US Insurance Company35300ILAdmitted (licensed)Aircraft and aviation, Equipment breakdown, Crime (burglary and theft) +5 more
Allstate Insurance Company19232ILAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +5 more
American Bankers Insurance Company of Florida10111FLAdmitted (licensed)Personal auto, Commercial auto, Credit +6 more
American Commerce Insurance Company19941OHAdmitted (licensed)Aircraft and aviation, Personal auto, Flood +3 more
American Family Mutual Insurance Company, S.I.19275WIAdmitted (licensed)Personal auto, Commercial auto, Earthquake +6 more
American National Property and Casualty Company28401NEAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
American Security Insurance Company42978DEAdmitted (licensed)Flood, Homeowners, Inland marine +2 more
American Strategic Insurance Corporation10872INAdmitted (licensed)Flood, Homeowners, Inland marine +2 more
Arch Insurance (UK) Limited11150MOAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +12 more
Bankers Insurance Company33162FLAdmitted (licensed)Flood, General liability
Berkshire Hathaway Direct Insurance Company10391NEAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +5 more
Cincinnati Casualty Company (The)28665OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +12 more
Cincinnati Insurance Company (The)10677OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +13 more
Continental Casualty Company20443ILAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +12 more
Continental Western Insurance Company10804IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +10 more
Crestbrook Insurance Company18961OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +9 more
CSAA General Insurance Company37770INAdmitted (licensed)Earthquake, Flood, Homeowners +3 more
Cumis Insurance Society Incorporated10847IAAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +3 more
Employers Insurance Company of Wausau21458WIAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
Farmers Insurance Company of Oregon21636ORAdmitted (licensed)Personal auto, Commercial package (BOP, CMP), Earthquake +4 more
Farmers Property and Casualty Insurance Company26298RIAdmitted (licensed)Personal auto, Earthquake, Flood +3 more
Federal Insurance Company20281INAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +12 more
Fireman's Fund Insurance Company21873ILAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
Firemen's Insurance Company of Washington, D. C.21784IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
First Liberty Insurance Corporation (The)33588ILAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +6 more
Foremost Insurance Company Grand Rapids, Michigan11185MIAdmitted (licensed)Personal auto, Flood, Homeowners +4 more
Granite State Insurance Company23809ILAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
Hanover Insurance Company (The)22292NHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +11 more
Hartford Insurance Company of the Midwest37478INAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +8 more
Homesite Insurance Company of the Midwest13927WIAdmitted (licensed)Flood, Homeowners
Illinois National Insurance Company23817ILAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +6 more
Integon National Insurance Company29742ILAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +5 more
L M Insurance Corporation33600ILAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
Liberty Mutual Fire Insurance Company23035WIAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +10 more
Liberty Mutual Insurance Company42404ILAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
Liberty Mutual Insurance Company23043MAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +10 more
Massachusetts Bay Insurance Company22306NHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
Middlesex Insurance Company23434WIAdmitted (licensed)Personal auto, Commercial auto, Earthquake +6 more
Mitsui Sumitomo Insurance Company of America20362NYAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
National General Insurance Company23728ILAdmitted (licensed)Personal auto, Commercial package (BOP, CMP), Flood +1 more
National Union Fire Insurance Company of Pittsburgh, Pennsylvania19445PAAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +15 more
Nationwide Insurance Company of America25453OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +6 more
NGM Insurance Company14788FLAdmitted (licensed)Fidelity bonds, Flood, Surety bonds
Palomar Specialty Insurance Company20338ORAdmitted (licensed)Earthquake, Farm and crop, Flood +3 more
Philadelphia Indemnity Insurance Company18058PAAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +9 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, Commercial auto +7 more
Selective Insurance Company of America12572NJAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
Sentry Insurance Company24988WIAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
SOMPO AMERICA FIRE \u0026 MARINE INSURANCE COMPANY38997NYAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +5 more
Stillwater Property and Casualty Insurance Company16578NYAdmitted (licensed)Personal auto, Earthquake, Flood +4 more
Swiss Re Corporate Solutions America Insurance Corporation29874MOAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
Swiss Re Corporate Solutions Elite Insurance Corporation29700MOAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +6 more
Transportation Insurance Company20494ILAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +6 more
Union Insurance Company25844IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +10 more
USAA General Indemnity Company18600TXAdmitted (licensed)Personal auto, Earthquake, Flood +4 more
Verlan Fire Insurance Company10815NHAdmitted (licensed)Equipment breakdown, Flood, Commercial property (fire and allied lines)
Wright National Flood Insurance Company11523TXAdmitted (licensed)Flood
XL Insurance America, Inc.24554DEAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
Turned down?

Last resort for flood in Oregon

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 Oregon insurance regulator company list, read 2026-10-18 and the surplus lines list. Admitted = companies in Oregon DFR's 2025 market-share PDFs (property-casualty-totals.pdf plus the per-line PDFs linked from the financial-statements page). Some per-line PDFs (the life ones) still show 2024 data. Only insurers authorized in Oregon appear and companies with zero Oregon premium are excluded, so a licensed company that wrote nothing is missing. Names are NAIC short names (Ins Co, Amer, Natl). type comes from which reports list the company (Property & Casualty first, then Accident & Health, Life, Title); lines are the 'Line of Business' headers of the per-line PDFs the company appears in, spelled as published. since is not published. Surplus lines = SLAOR's eligible insurer listing (current names only; 78 former-name history rows and the 'MISCELLANEOUS - requires prior approval' placeholder dropped). It has no NAIC codes, domicile or eligibility dates, and none of its insurers appear in the DFR market-share PDFs, so naic is empty and must be filled by name in the merge. alien is a heuristic: foreign corporate suffix (Ltd/SE/AG/S.A./DAC/Club...), a US process-agent law firm as the address, or no US city/state/zip on file. "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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