Who writes flood in South Dakota
Ranked by direct premium written in 2025 from the South Dakota market share report (every company, not a top-N list).
60 companies wrote flood in South Dakota in 2025, $3.3M in direct premium. Auto-Owners Insurance Company led with 21.1%; the top five hold 53%.
By Sam Alishahi, independent insurance broker · All lines in South Dakota
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | Auto-Owners Insurance Company | 18988 | MI | Admitted (licensed) | $694,486 | 21.07% |
| 2 | American Bankers Insurance Company of Florida | 10111 | FL | Admitted (licensed) | $321,013 | 9.74% |
| 3 | Wright National Flood Insurance Company | 11523 | TX | Admitted (licensed) | $284,420 | 8.63% |
| 4 | XL Insurance America, Inc. | 24554 | DE | Admitted (licensed) | $260,693 | 7.91% |
| 5 | Selective Insurance Company of the Southeast | 39926 | IN | Admitted (licensed) | $200,718 | 6.09% |
| 6 | American Family Mutual Insurance Company, S.I. | 19275 | WI | Admitted (licensed) | $185,587 | 5.63% |
| 7 | Hartford Insurance Company of the Midwest | 37478 | IN | Admitted (licensed) | $180,346 | 5.47% |
| 8 | Fire Insurance Exchange Fire Underwriters Association | 21660 | CA | Admitted (licensed) | $164,576 | 4.99% |
| 9 | Swiss Re Corporate Solutions Elite Insurance Corporation | 29700 | MO | Admitted (licensed) | $137,228 | 4.16% |
| 10 | USAA General Indemnity Company | 18600 | TX | Admitted (licensed) | $109,003 | 3.31% |
| 11 | First Liberty Insurance Corporation (The) | 33588 | IL | Admitted (licensed) | $87,223 | 2.65% |
| 12 | Employers Insurance Company of Wausau | 21458 | WI | Admitted (licensed) | $82,918 | 2.52% |
| 13 | Allianz Global Risks US Insurance Company | 35300 | IL | Admitted (licensed) | $79,027 | 2.40% |
| 14 | National General Insurance Company | 23728 | IL | Admitted (licensed) | $71,914 | 2.18% |
| 15 | American Security Insurance Company | 42978 | DE | Admitted (licensed) | $70,078 | 2.13% |
| 16 | Philadelphia Indemnity Insurance Company | 18058 | PA | Admitted (licensed) | $45,445 | 1.38% |
| 17 | Foremost Insurance Company Grand Rapids, Michigan | 11185 | MI | Admitted (licensed) | $38,245 | 1.16% |
| 18 | EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company) | 21415 | IA | Admitted (licensed) | $35,481 | 1.08% |
| 19 | Allstate Insurance Company | 19232 | IL | Admitted (licensed) | $32,476 | 0.99% |
| 20 | American Strategic Insurance Corporation | 10872 | IN | Admitted (licensed) | $25,326 | 0.77% |
| 21 | Integon National Insurance Company | 29742 | IL | Admitted (licensed) | $20,059 | 0.61% |
| 22 | Farmers Property and Casualty Insurance Company | 26298 | RI | Admitted (licensed) | $13,454 | 0.41% |
| 23 | American National Property and Casualty Company | 28401 | NE | Admitted (licensed) | $13,303 | 0.40% |
| 24 | Swiss Re Corporate Solutions America Insurance Corporation | 29874 | MO | Admitted (licensed) | $12,634 | 0.38% |
| 25 | Liberty Mutual Fire Insurance Company | 23035 | WI | Admitted (licensed) | $12,330 | 0.37% |
| 26 | MIC General Insurance Corporation | 38660 | IL | Admitted (licensed) | $12,172 | 0.37% |
| 27 | Homesite Insurance Company of the Midwest | 13927 | WI | Admitted (licensed) | $12,171 | 0.37% |
| 28 | EMCASCO Insurance Company | 21407 | IA | Admitted (licensed) | $11,827 | 0.36% |
| 29 | National Union Fire Insurance Company of Pittsburgh, Pennsylvania | 19445 | PA | Admitted (licensed) | $11,420 | 0.35% |
| 30 | Nationwide Mutual Insurance Company | 23787 | OH | Admitted (licensed) | $11,417 | 0.35% |
| 31 | EMC PROPERTY \u0026 CASUALTY COMPANY | 25186 | IA | Admitted (licensed) | $10,141 | 0.31% |
| 32 | Berkley Regional Insurance Company | 29580 | IA | Admitted (licensed) | $8,181 | 0.25% |
| 33 | AIG Property Casualty Company | 19402 | IL | Admitted (licensed) | $5,777 | 0.18% |
| 34 | Allied Insurance Company of America | 10127 | OH | Admitted (licensed) | $5,667 | 0.17% |
| 35 | Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact | 12873 | FL | Admitted (licensed) | $5,153 | 0.16% |
| 36 | Continental Western Insurance Company | 10804 | IA | Admitted (licensed) | $4,992 | 0.15% |
| 37 | Midwest Family Mutual Insurance Company | 23574 | IA | Admitted (licensed) | $3,893 | 0.12% |
| 38 | Arch Insurance (UK) Limited | 11150 | MO | Admitted (licensed) | $2,903 | 0.09% |
| 39 | Bankers Insurance Company | 33162 | FL | Admitted (licensed) | $1,416 | 0.04% |
| 40 | Nationwide Agribusiness Insurance Company | 28223 | IA | Admitted (licensed) | $1,350 | 0.04% |
| 41 | Fireman's Fund Insurance Company | 21873 | IL | Admitted (licensed) | $1,178 | 0.04% |
| 42 | United States Fire Insurance Company | 21113 | DE | Admitted (licensed) | $999 | 0.03% |
| 43 | Union Insurance Company | 25844 | IA | Admitted (licensed) | $999 | 0.03% |
| 44 | Nationwide Mutual Insurance Company | 10723 | OH | Admitted (licensed) | $797 | 0.02% |
| 45 | Cincinnati Insurance Company (The) | 10677 | OH | Admitted (licensed) | $776 | 0.02% |
| 46 | Continental Insurance Company, (The) | 35289 | PA | Admitted (licensed) | $738 | 0.02% |
| 47 | CSAA General Insurance Company | 37770 | IN | Admitted (licensed) | $699 | 0.02% |
| 48 | Middlesex Insurance Company | 23434 | WI | Admitted (licensed) | $674 | 0.02% |
| 49 | Berkley National Insurance Company | 38911 | IA | Admitted (licensed) | $638 | 0.02% |
| 50 | AMCO Insurance Company | 19100 | IA | Admitted (licensed) | $603 | 0.02% |
| 51 | QBE Insurance (Europe) Limited | 39217 | PA | Admitted (licensed) | $587 | 0.02% |
| 52 | American Casualty Company of Reading, Pennsylvania | 20427 | PA | Admitted (licensed) | $326 | 0.01% |
| 53 | Continental Casualty Company | 20443 | IL | Admitted (licensed) | $173 | 0.01% |
| 54 | Stillwater Insurance Company | 25180 | CA | Admitted (licensed) | $116 | 0.00% |
| 55 | Granite State Insurance Company | 23809 | IL | Admitted (licensed) | $100 | 0.00% |
| 56 | New Hampshire Insurance Company | 23841 | IL | Admitted (licensed) | $61 | 0.00% |
| 57 | Liberty Mutual Insurance Company | 42404 | IL | Admitted (licensed) | $59 | 0.00% |
| 58 | Valley Forge Insurance Company | 20508 | PA | Admitted (licensed) | $35 | 0.00% |
| 59 | Illinois National Insurance Company | 23817 | IL | Admitted (licensed) | $19 | 0.00% |
| 60 | Tri-State Insurance Company of Minnesota | 31003 | IA | Admitted (licensed) | $1 | 0.00% |
Method and source
Source: the South Dakota insurance regulator company list, read 2026-10-18. SD publishes no licensing roster. This is the SD Division of Insurance market share report set for 2025 (NAIC i-site, CodeList Basis: Licensed): every licensed company that reported SD direct premium on its 2025 annual statement, so licensed companies with no SD premium are absent. type = statement type of the total report(s) the company appears in (Property & Casualty / Life / Health / Title; Life covers both the Life & Annuity and the Life A&H totals). lines = SD per-line reports in which the company wrote direct premium > 0, named as the report headers name them (P&C lines plus the A&H lines filed on P&C/Life statements). Farm mutuals sheet (no NAIC codes) and the 'all statement types' aggregates skipped. No surplus lines eligibility list is published by SD (surplus lines filings go through the SLIP+ clearinghouse). 1 company(ies) found only in a per-line report, not in any total, left out: 38920 Kinsale Ins Co (Aircraft - All Perils). "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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