Directory · South Carolina · Flood

Who writes flood in South Carolina

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 South Carolina in 2025, $27.3M and 22.9% of the state's premium; the top five groups hold 76%. South Carolina'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 South Carolina page.

By Sam Alishahi, independent insurance broker · All lines in South Carolina

Top 10 · NAIC table: 02.3 - Federal Flood

The insurer groups that write the most flood in South 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 group	Premium written	Share	Loss ratio	Member companies here
1	Selective Insurance Group	$27.3M	22.87%	3%	Selective Insurance Company of America, Selective Insurance Company of the Southeast, Selective Insurance Company of South Carolina, Mesa Underwriters Specialty Insurance Company
2	Wright National Flood Insurance Company	$23.5M	19.65%	—	—
3	Assurant Inc Group	$21.6M	18.08%	2%	Virginia Surety Company, Inc., American Bankers Insurance Company of Florida, American Security Insurance Company, Standard Guaranty Insurance Company
4	Hartford Fire & Casualty Group	$9.2M	7.74%	19%	Hartford Fire Insurance Company, Hartford Underwriters Insurance Company, Hartford Casualty Insurance Company, Twin City Fire Insurance Company (The)
5	United Serv Automobile Assn Group	$8.7M	7.29%	7%	United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
6	Allstate Insurance Group	$7.0M	5.84%	5%	Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
7	Bankers Insurance Group	$5.1M	4.30%	—	Bankers Insurance Company, First Community Insurance Company, Bonded Builders Insurance Company, A Risk Retention Group
8	Progressive Group	$3.8M	3.17%	2%	Progressive County Mutual Insurance Company, United Financial Casualty Company, Progressive Universal Insurance Company, Progressive Direct Insurance Company
9	Auto Owners Group	$2.8M	2.38%	—	Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company
10	South Carolina Farm Bureau Mutual Group	$2.6M	2.20%	1%	South Carolina Farm Bureau Mutual Ins Co

Turned down?

Last resort for flood in South Carolina

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 South Carolina insurance regulator company list, read 2026-10-18 and the surplus lines list. SC DOI 'List of Insurance Companies Authorized to Transact Business in South Carolina' as of April 2026; one PDF for every company type, so 'admitted' holds all 2509 rows with the Company Type column kept (filter type in Property & Casualty / Casualty / Property / Surety for P&C admitted). The list has no lines of authority, no domicile and no license date: domicile is blank, mail_state is the mailing-address state. surplus_lines = rows typed 'Eligible Surplus Lines Insurer'; alien=true when the NAIC code is blank or the mailing state is outside the US. NAIC codes blank for RPGs, intermediaries, advisory orgs and alien insurers. "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.

Need flood in South Carolina?

Someone will insure it. I find who.

Send what you need covered and what happened before. I match it to the companies that take it, down to the last-resort plan if it comes to that. I'm licensed in 48 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida and Washington, where my licenses are still being issued, a partner agency in your state helps in the meantime.

Get a Quote Call (877) 711-4545

Not shopping yet?

Get a reminder before your renewal.

Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.