Directory · Texas · Flood
Who writes flood in Texas
Ranked by direct premium written in 2025 from the Texas Department of Insurance market share report (every company, not a top-N list).
91 companies wrote flood in Texas in 2025, $495.9M in direct premium. Wright National Flood Insurance Company led with 31.2%; the top five hold 69%. 93 companies are licensed for the line.
By Sam Alishahi, independent insurance broker · All lines in Texas
Flood · Texas
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | Wright National Flood Insurance Company | 11523 | TX | Admitted (licensed) | $154.8M | 31.21% |
| 2 | Allstate Insurance Company | 19232 | IL | Admitted (licensed) | $54.2M | 10.93% |
| 3 | American Bankers Insurance Company of Florida | 10111 | FL | Admitted (licensed) | $51.4M | 10.37% |
| 4 | Texas Farmers Insurance Company | 21695 | TX | Admitted (licensed) | $46.0M | 9.28% |
| 5 | USAA General Indemnity Company | 18600 | TX | Admitted (licensed) | $34.8M | 7.02% |
| 6 | Hartford Insurance Company of the Midwest | 37478 | IN | Admitted (licensed) | $25.6M | 5.15% |
| 7 | ASI Lloyds | 11059 | TX | Admitted (licensed) | $24.6M | 4.96% |
| 8 | Selective Insurance Company of the Southeast | 39926 | IN | Admitted (licensed) | $14.5M | 2.92% |
| 9 | Integon National Insurance Company | 29742 | IL | Admitted (licensed) | $9.5M | 1.92% |
| 10 | Swiss Re Corporate Solutions Elite Insurance Corporation | 29700 | MO | Admitted (licensed) | $8.4M | 1.69% |
| 11 | American Security Insurance Company | 42978 | DE | Admitted (licensed) | $6.8M | 1.38% |
| 12 | Liberty Mutual Fire Insurance Company | 23035 | WI | Admitted (licensed) | $6.8M | 1.37% |
| 13 | XL Insurance America, Inc. | 24554 | DE | Admitted (licensed) | $4.9M | 0.98% |
| 14 | Bankers Insurance Company | 33162 | FL | Admitted (licensed) | $4.4M | 0.89% |
| 15 | Employers Insurance Company of Wausau | 21458 | WI | Admitted (licensed) | $4.0M | 0.81% |
| 16 | Philadelphia Indemnity Insurance Company | 18058 | PA | Admitted (licensed) | $3.9M | 0.78% |
| 17 | Foremost Insurance Company Grand Rapids, Michigan | 11185 | MI | Admitted (licensed) | $3.8M | 0.77% |
| 18 | Allianz Global Risks US Insurance Company | 35300 | IL | Admitted (licensed) | $3.8M | 0.77% |
| 19 | Homesite Lloyd's of Texas | 11237 | TX | Admitted (licensed) | $3.4M | 0.69% |
| 20 | Federal Insurance Company | 20281 | IN | Admitted (licensed) | $2.9M | 0.59% |
| 21 | Incline Casualty Company | 11090 | TX | Admitted (licensed) | $2.7M | 0.55% |
| 22 | American National Property and Casualty Company | 28401 | NE | Admitted (licensed) | $2.5M | 0.50% |
| 23 | One Alliance North America Insurance Company | 10759 | TX | Admitted (licensed) | $2.3M | 0.46% |
| 24 | National Union Fire Insurance Company of Pittsburgh, Pennsylvania | 19445 | PA | Admitted (licensed) | $2.3M | 0.46% |
| 25 | Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact | 12873 | FL | Admitted (licensed) | $1.9M | 0.39% |
| 26 | Berkshire Hathaway Direct Insurance Company | 10391 | NE | Admitted (licensed) | $1.8M | 0.37% |
| 27 | Centauri Specialty Insurance Company | 12573 | FL | Admitted (licensed) | $1.7M | 0.34% |
| 28 | SOMPO AMERICA FIRE \u0026 MARINE INSURANCE COMPANY | 38997 | NY | Admitted (licensed) | $1.6M | 0.32% |
| 29 | QBE Insurance (Europe) Limited | 39217 | PA | Admitted (licensed) | $1.5M | 0.31% |
| 30 | Woodlands Insurance Company, The | 15545 | TX | Admitted (licensed) | $1.5M | 0.31% |
| 31 | National General Insurance Company | 23728 | IL | Admitted (licensed) | $1.3M | 0.26% |
| 32 | Farmers Property and Casualty Insurance Company | 26298 | RI | Admitted (licensed) | $1.0M | 0.21% |
| 33 | AIG Property Casualty Company | 19402 | IL | Admitted (licensed) | $788,727 | 0.16% |
| 34 | American Risk Insurance Company, Inc. | 12898 | TX | Admitted (licensed) | $662,103 | 0.13% |
| 35 | Nationwide Mutual Insurance Company | 23787 | OH | Admitted (licensed) | $454,662 | 0.09% |
| 36 | Safepoint Insurance Company | 15341 | FL | Admitted (licensed) | $346,716 | 0.07% |
| 37 | Allied Trust Insurance Company | 15816 | TX | Admitted (licensed) | $314,772 | 0.06% |
| 38 | Fireman's Fund Insurance Company | 21873 | IL | Admitted (licensed) | $237,365 | 0.05% |
| 39 | Nationwide Property and Casualty Insurance Company | 37877 | OH | Admitted (licensed) | $215,663 | 0.04% |
| 40 | Cincinnati Insurance Company (The) | 10677 | OH | Admitted (licensed) | $207,565 | 0.04% |
| 41 | Cincinnati Casualty Company (The) | 28665 | OH | Admitted (licensed) | $195,564 | 0.04% |
| 42 | Cypress Property & Casualty Insurance Company | 10953 | FL | Admitted (licensed) | $194,814 | 0.04% |
| 43 | RSUI Indemnity Company | 22314 | NH | Admitted (licensed) | $187,500 | 0.04% |
| 44 | Arch Insurance (UK) Limited | 11150 | MO | Admitted (licensed) | $139,146 | 0.03% |
| 45 | Cumis Insurance Society Incorporated | 10847 | IA | Admitted (licensed) | $118,199 | 0.02% |
| 46 | Nationwide Agribusiness Insurance Company | 28223 | IA | Admitted (licensed) | $116,537 | 0.02% |
| 47 | First Liberty Insurance Corporation (The) | 33588 | IL | Admitted (licensed) | $109,567 | 0.02% |
| 48 | Swiss Re Corporate Solutions America Insurance Corporation | 29874 | MO | Admitted (licensed) | $99,196 | 0.02% |
| 49 | Berkley Assurance Company | 32603 | DE | Admitted (licensed) | $93,852 | 0.02% |
| 50 | Nationwide Affinity Insurance Company of America | 26093 | OH | Admitted (licensed) | $87,885 | 0.02% |
| 51 | Homeowners of America Insurance Company | 12536 | TX | Admitted (licensed) | $81,738 | 0.02% |
| 52 | New Hampshire Insurance Company | 23841 | IL | Admitted (licensed) | $71,848 | 0.01% |
| 53 | Bankers Standard Insurance Company | 18279 | PA | Admitted (licensed) | $51,004 | 0.01% |
| 54 | Granite State Insurance Company | 23809 | IL | Admitted (licensed) | $47,593 | 0.01% |
| 55 | Hartford Fire Insurance Company | 19682 | CT | Admitted (licensed) | $37,967 | 0.01% |
| 56 | Mitsui Sumitomo Insurance Company of America | 20362 | NY | Admitted (licensed) | $36,082 | 0.01% |
| 57 | Hanover Insurance Company (The) | 22292 | NH | Admitted (licensed) | $32,922 | 0.01% |
| 58 | Allied Property and Casualty Insurance Company | 42579 | IA | Admitted (licensed) | $27,308 | 0.01% |
| 59 | American Casualty Company of Reading, Pennsylvania | 20427 | PA | Admitted (licensed) | $22,452 | 0.00% |
| 60 | AMCO Insurance Company | 19100 | IA | Admitted (licensed) | $21,353 | 0.00% |
| 61 | Verlan Fire Insurance Company | 10815 | NH | Admitted (licensed) | $20,912 | 0.00% |
| 62 | Continental Casualty Company | 20443 | IL | Admitted (licensed) | $18,297 | 0.00% |
| 63 | Nationwide Mutual Insurance Company | 10723 | OH | Admitted (licensed) | $17,625 | 0.00% |
| 64 | Berkley Regional Insurance Company | 29580 | IA | Admitted (licensed) | $15,322 | 0.00% |
| 65 | Hanover Casualty Company, The | 41602 | TX | Admitted (licensed) | $13,896 | 0.00% |
| 66 | Liberty Mutual Insurance Company | 42404 | IL | Admitted (licensed) | $12,051 | 0.00% |
| 67 | StarNet Insurance Company | 40045 | IA | Admitted (licensed) | $10,798 | 0.00% |
| 68 | L M Insurance Corporation | 33600 | IL | Admitted (licensed) | $9,675 | 0.00% |
| 69 | Transportation Insurance Company | 20494 | IL | Admitted (licensed) | $7,756 | 0.00% |
| 70 | North River Insurance Company (The) | 21105 | NJ | Admitted (licensed) | $6,871 | 0.00% |
| 71 | Allied Insurance Company of America | 10127 | OH | Admitted (licensed) | $5,672 | 0.00% |
| 72 | United States Fire Insurance Company | 21113 | DE | Admitted (licensed) | $4,746 | 0.00% |
| 73 | Hanover American Insurance Company (The) | 36064 | NH | Admitted (licensed) | $3,187 | 0.00% |
| 74 | Berkley National Insurance Company | 38911 | IA | Admitted (licensed) | $2,686 | 0.00% |
| 75 | Continental Western Insurance Company | 10804 | IA | Admitted (licensed) | $2,441 | 0.00% |
| 76 | Illinois National Insurance Company | 23817 | IL | Admitted (licensed) | $2,336 | 0.00% |
| 77 | EMCASCO Insurance Company | 21407 | IA | Admitted (licensed) | $2,078 | 0.00% |
| 78 | Stillwater Insurance Company | 25180 | CA | Admitted (licensed) | $2,074 | 0.00% |
| 79 | National Fire Insurance Company of Hartford | 20478 | IL | Admitted (licensed) | $1,737 | 0.00% |
| 80 | Valley Forge Insurance Company | 20508 | PA | Admitted (licensed) | $1,438 | 0.00% |
| 81 | NATIONAL LIABILITY \u0026 FIRE INSURANCE COMPANY | 20052 | CT | Admitted (licensed) | $1,261 | 0.00% |
| 82 | Nationwide General Insurance Company | 23760 | OH | Admitted (licensed) | $1,212 | 0.00% |
| 83 | Continental Insurance Company, (The) | 35289 | PA | Admitted (licensed) | $1,092 | 0.00% |
| 84 | Intrepid Insurance Company | 10749 | IA | Admitted (licensed) | $1,000 | 0.00% |
| 85 | Depositors Insurance Company | 42587 | IA | Admitted (licensed) | $811 | 0.00% |
| 86 | Union Insurance Company | 25844 | IA | Admitted (licensed) | $787 | 0.00% |
| 87 | Massachusetts Bay Insurance Company | 22306 | NH | Admitted (licensed) | $329 | 0.00% |
| 88 | Firemen's Insurance Company of Washington, D. C. | 21784 | IA | Admitted (licensed) | $203 | 0.00% |
| 89 | EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company) | 21415 | IA | Admitted (licensed) | $58 | 0.00% |
| 90 | Liberty Mutual Insurance Company | 23043 | MA | Admitted (licensed) | $12 | 0.00% |
| 91 | Berkshire Hathaway Specialty Insurance Company | 22276 | NE | Admitted (licensed) | $5 | 0.00% |
Method and source
Source: the Texas Department of Insurance company list, read 2026-10-17. "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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