Who writes flood in Washington
The 52 largest writers by premium in 2025 from the Washington Office of the Insurance Commissioner and the Surplus Line Association of Washington market report (a top-52 list, shares of earned premium).
The 52 largest writers of flood in Washington in 2025: American Bankers Insurance Company of Florida led with 12.9% of the state's premium; the top five hold 51%.
By Sam Alishahi, independent insurance broker · All lines in Washington
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | American Bankers Insurance Company of Florida | 10111 | FL | Admitted (licensed) | $3.9M | 12.87% |
| 2 | Farmers Insurance Company of Washington | 21644 | WA | Admitted (licensed) | $3.2M | 10.65% |
| 3 | Hartford Insurance Company of the Midwest | 37478 | IN | Admitted (licensed) | $3.0M | 9.98% |
| 4 | Wright National Flood Insurance Company | 11523 | TX | Admitted (licensed) | $2.9M | 9.38% |
| 5 | Selective Insurance Company of America | 12572 | NJ | Admitted (licensed) | $2.4M | 7.81% |
| 6 | USAA General Indemnity Company | 18600 | TX | Admitted (licensed) | $2.3M | 7.58% |
| 7 | Allstate Insurance Company | 19232 | IL | Admitted (licensed) | $2.0M | 6.68% |
| 8 | XL Insurance America, Inc. | 24554 | DE | Admitted (licensed) | $1.2M | 4.05% |
| 9 | American Security Insurance Company | 42978 | DE | Admitted (licensed) | $949,000 | 3.12% |
| 10 | Employers Insurance Company of Wausau | 21458 | WI | Admitted (licensed) | $876,000 | 2.88% |
| 11 | Allianz Global Risks US Insurance Company | 35300 | IL | Admitted (licensed) | $842,000 | 2.77% |
| 12 | Integon National Insurance Company | 29742 | IL | Admitted (licensed) | $832,000 | 2.73% |
| 13 | Swiss Re Corporate Solutions Elite Insurance Corporation | 29700 | MO | Admitted (licensed) | $600,000 | 1.97% |
| 14 | American Family Mutual Insurance Company, S.I. | 19275 | WI | Admitted (licensed) | $583,000 | 1.92% |
| 15 | Homesite Insurance Company of the Midwest | 13927 | WI | Admitted (licensed) | $543,000 | 1.78% |
| 16 | American Strategic Insurance Corporation | 10872 | IN | Admitted (licensed) | $480,000 | 1.58% |
| 17 | Liberty Mutual Fire Insurance Company | 23035 | WI | Admitted (licensed) | $435,000 | 1.43% |
| 18 | Federal Insurance Company | 20281 | IN | Admitted (licensed) | $409,000 | 1.34% |
| 19 | SOMPO AMERICA FIRE \u0026 MARINE INSURANCE COMPANY | 38997 | NY | Admitted (licensed) | $352,000 | 1.16% |
| 20 | Foremost Insurance Company Grand Rapids, Michigan | 11185 | MI | Admitted (licensed) | $339,000 | 1.11% |
| 21 | AIG Property Casualty Company | 19402 | IL | Admitted (licensed) | $291,000 | 0.96% |
| 22 | Farmers Property and Casualty Insurance Company | 26298 | RI | Admitted (licensed) | $279,000 | 0.92% |
| 23 | Cincinnati Insurance Company (The) | 10677 | OH | Admitted (licensed) | $262,000 | 0.86% |
| 24 | National Union Fire Insurance Company of Pittsburgh, Pennsylvania | 19445 | PA | Admitted (licensed) | $250,000 | 0.82% |
| 25 | Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact | 12873 | FL | Admitted (licensed) | $157,000 | 0.52% |
| 26 | Philadelphia Indemnity Insurance Company | 18058 | PA | Admitted (licensed) | $146,000 | 0.48% |
| 27 | National General Insurance Company | 23728 | IL | Admitted (licensed) | $143,000 | 0.47% |
| 28 | American Commerce Insurance Company | 19941 | OH | Admitted (licensed) | $112,000 | 0.37% |
| 29 | QBE Insurance (Europe) Limited | 39217 | PA | Admitted (licensed) | $99,000 | 0.33% |
| 30 | Swiss Re Corporate Solutions America Insurance Corporation | 29874 | MO | Admitted (licensed) | $94,000 | 0.31% |
| 31 | Granite State Insurance Company | 23809 | IL | Admitted (licensed) | $79,000 | 0.26% |
| 32 | United States Fire Insurance Company | 21113 | DE | Admitted (licensed) | $72,000 | 0.24% |
| 33 | Fireman's Fund Insurance Company | 21873 | IL | Admitted (licensed) | $57,000 | 0.19% |
| 34 | American National Property and Casualty Company | 28401 | NE | Admitted (licensed) | $41,000 | 0.13% |
| 35 | Nationwide Mutual Insurance Company | 23787 | OH | Admitted (licensed) | $28,000 | 0.09% |
| 36 | Cincinnati Indemnity Company (The) | 23280 | OH | Admitted (licensed) | $24,000 | 0.08% |
| 37 | First Liberty Insurance Corporation (The) | 33588 | IL | Admitted (licensed) | $15,000 | 0.05% |
| 38 | New Hampshire Insurance Company | 23841 | IL | Admitted (licensed) | $13,000 | 0.04% |
| 39 | Nationwide Property and Casualty Insurance Company | 37877 | OH | Admitted (licensed) | $6,000 | 0.02% |
| 40 | Hanover Insurance Company (The) | 22292 | NH | Admitted (licensed) | $4,000 | 0.01% |
| 41 | Bankers Insurance Company | 33162 | FL | Admitted (licensed) | $3,000 | 0.01% |
| 42 | Continental Western Insurance Company | 10804 | IA | Admitted (licensed) | $3,000 | 0.01% |
| 43 | Massachusetts Bay Insurance Company | 22306 | NH | Admitted (licensed) | $3,000 | 0.01% |
| 44 | Union Insurance Company | 25844 | IA | Admitted (licensed) | $3,000 | 0.01% |
| 45 | North River Insurance Company (The) | 21105 | NJ | Admitted (licensed) | $2,000 | 0.01% |
| 46 | L M Insurance Corporation | 33600 | IL | Admitted (licensed) | $2,000 | 0.01% |
| 47 | Arch Insurance (UK) Limited | 11150 | MO | Admitted (licensed) | $1,000 | 0.00% |
| 48 | Cincinnati Casualty Company (The) | 28665 | OH | Admitted (licensed) | $1,000 | 0.00% |
| 49 | American Casualty Company of Reading, Pennsylvania | 20427 | PA | Admitted (licensed) | $1,000 | 0.00% |
| 50 | Hanover American Insurance Company (The) | 36064 | NH | Admitted (licensed) | $1,000 | 0.00% |
| 51 | Liberty Mutual Insurance Company | 42404 | IL | Admitted (licensed) | $1,000 | 0.00% |
| 52 | Transportation Insurance Company | 20494 | IL | Admitted (licensed) | $1,000 | 0.00% |
Method and source
Source: the Washington Office of the Insurance Commissioner and the Surplus Line Association of Washington company list, read 2026-10-17 and the surplus lines list. Washington's authorized list comes from the OIC's 2025 market report (Appendix D), which leaves out authorized companies with no premium that year. Premiums are in thousands. "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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