Directory · Rhode Island · Flood

Who writes flood in Rhode Island

Top insurer groups from the NAIC market share report; the state's list carries no lines of authority.

Selective Insurance Group wrote the most flood in Rhode Island in 2025, $3.4M and 29.5% of the state's premium; the top five groups hold 86%. Rhode Island's company list doesn't say which lines each company is licensed for, so the ranking below is the NAIC's top 10 groups; every licensed company is on the Rhode Island page.

By Sam Alishahi, independent insurance broker · All lines in Rhode Island

Top 10 · NAIC table: 02.3 - Federal Flood

The insurer groups that write the most flood in Rhode Island

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	$3.4M	29.51%	17%	Selective Insurance Company of America, Selective Insurance Company of the Southeast, Selective Insurance Company of South Carolina, Mesa Underwriters Specialty Insurance Company
2	Assurant Inc Group	$2.9M	25.52%	8%	Virginia Surety Company, Inc., American Bankers Insurance Company of Florida, American Security Insurance Company, Standard Guaranty Insurance Company
3	Wright National Flood Insurance Company	$2.1M	18.41%	—	—
4	Allstate Insurance Group	$819,000	7.17%	1%	Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
5	United Serv Automobile Assn Group	$661,000	5.79%	—	United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
6	Hartford Fire & Casualty Group	$613,000	5.37%	2%	Hartford Fire Insurance Company, Hartford Underwriters Insurance Company, Hartford Casualty Insurance Company, Twin City Fire Insurance Company (The)
7	Tokio Marine Holdings Inc Group	$218,000	1.91%	9%	Philadelphia Indemnity Insurance Company, Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact, Safety National Casualty Corporation, Producers Agriculture Insurance Company
8	Farmers Insurance Group	$198,000	1.74%	2%	Farmers Insurance Exchange, Foremost Insurance Company Grand Rapids, Michigan, Mid-Century Insurance Company, Fire Insurance Exchange Fire Underwriters Association
9	Liberty Mutual Group	$156,000	1.36%	5%	Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
10	American Family Insurance Group	$132,000	1.16%	45%	American Family Mutual Insurance Company, S.I., American Family Connect Property and Casualty Insurance Company, Homesite Insurance Company, American Family Insurance Company

Turned down?

Last resort for flood in Rhode Island

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

Source: the Rhode Island insurance regulator company list, read 2026-10-18 and the surplus lines list. Admitted = RI DBR 'Property & Casualty Insurers' roster (Report Date October 2, 2026, Company Count 840): a category list of licensed P&C insurers with NAIC codes; no per-line authority, no license dates, no domicile (type is the roster category; domicile/type overridden from the RI_Domestics companion list for the 29 RI domestics). Life/health insurers are on separate DBR lists and are not included. Surplus lines = 'Registered US Domiciled Surplus Lines Insurer' list (Report Date October 2, 2026, Company Count 212); RI defers non-US insurers to the NAIC IID Quarterly Listing of Alien Insurers, so alien=true only for the few legacy no-NAIC UK entries still on the list. No eligibility dates given. address/phone kept as extra fields. surplus: the PDF carries 48 stale rows after the alphabetical list ends (older render left in the file; dropped). Stale-only entries not in the current list: Specialty Surplus Insurance Company [11622]; Sunderland Marine Mutual Insurance Company, Ltd. [no NAIC]; Through Transport Mutual Insurance Association Limited [no NAIC]; Tokio Marine Europe Insurance Limited [no NAIC]; TT Club Mutual Insurance Limited [no NAIC]; ULLICO Casualty Company (In Liquidation) [37893]; Underwriters at Lloyd's, London [no NAIC]; Velocity Speciality Insurance Company [39640]; Western Heritage Insurance Company [37150]; York Insurance Company of Maine [31267]; ZC Specialty Insurance Company [24317]; Zurich Specialties London Limited [no NAIC]. "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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