A Firm Foundation: How Insurance Supports the Economy

A 50-State Commitment

Employment

Insurance Carriers And Related Activities Employment By State, 2017 (1)
 
State Number of employees State Number of employees
Alabama 39,524 Montana 8,902
Alaska 2,595 Nebraska 34,856
Arizona 71,743 Nevada 20,620
Arkansas 22,842 New Hampshire 15,924
California 331,913 New Jersey 105,307
Colorado 57,975 New Mexico 13,641
Connecticut 70,557 New York 199,310
Delaware 7,849 North Carolina 86,996
D.C. 4,243 North Dakota 10,628
Florida 232,002 Ohio 143,254
Georgia 111,809 Oklahoma 32,172
Hawaii 11,187 Oregon 34,305
Idaho 14,199 Pennsylvania 159,073
Illinois 155,757 Rhode Island 11,927
Indiana 64,769 South Carolina 44,113
Iowa 58,302 South Dakota 12,203
Kansas 38,463 Tennessee 67,463
Kentucky 44,356 Texas 291,601
Louisiana 38,011 Utah 28,893
Maine 13,831 Vermont 5,092
Maryland 49,504 Virginia 71,331
Massachusetts 83,889 Washington 56,958
Michigan 83,774 West Virginia 11,235
Minnesota 76,708 Wisconsin 81,952
Mississippi 19,513 Wyoming 3,681
Missouri 70,748 United States 3,327,500
(1) Total full-time and part-time employment. Note: Does not match data shown elsewhere due to the use of different surveys. Data as of September 2018. Source: U.S. Department of Commerce, Bureau of Economic Analysis, Regional Economic Information System.
Insurance Carriers And Related Activities Compensation By State, 2016-2017
($000)
  Annual payroll   Annual payroll
State 2016 2017 State 2016 2017
Alabama $2,697,019 $2,886,874 Montana $467,676 $490,621
Alaska 173,936 175,776 Nebraska 2,313,067 2,473,280
Arizona 4,481,094 4,997,273 Nevada 1,197,594 1,285,131
Arkansas 1,174,225 1,246,195 New Hampshire 1,644,648 1,343,239
California 26,236,121 27,583,886 New Jersey 11,344,395 12,243,329
Colorado 4,196,014 4,440,482 New Mexico 701,387 774,737
Connecticut 8,839,973 9,537,188 New York 21,177,400 21,928,003
Delaware 640,424 653,037 North Carolina 5,653,987 6,255,904
District of Columbia 653,175 687,410 North Dakota 592,168 610,953
Florida 15,227,448 16,763,140 Ohio 10,557,444 11,204,095
Georgia 8,140,865 8,875,915 Oklahoma 1,732,261 1,822,545
Hawaii 672,569 737,198 Oregon 2,566,965 2,635,423
Idaho 711,369 770,529 Pennsylvania 12,658,368 13,428,329
Illinois 13,824,917 14,511,342 Rhode Island 995,456 1,059,587
Indiana 4,342,180 4,591,134 South Carolina 2,563,984 2,699,525
Iowa 4,410,266 4,652,900 South Dakota 612,153 642,790
Kansas 2,563,161 2,729,109 Tennessee 4,402,923 4,721,730
Kentucky 3,218,390 3,415,885 Texas 19,548,510 21,101,625
Louisiana 2,220,460 2,295,880 Utah 1,645,583 1,785,411
Maine 1,056,577 1,100,520 Vermont 391,749 429,902
Maryland 4,065,312 4,241,065 Virginia 5,025,971 5,424,094
Massachusetts 8,666,148 9,036,167 Washington 4,360,864 4,575,554
Michigan 5,592,710 5,960,833 West Virginia 564,961 602,068
Minnesota 6,889,064 7,521,677 Wisconsin 5,999,116 6,298,544
Mississippi 919,712 958,897 Wyoming 163,297 169,772
Missouri 4,843,944 5,145,497 United States $255,339,000 $271,522,000
Source: Regional Economic Information System, Bureau of Economic Analysis, U.S. Department of Commerce.

Premiums

Direct Premiums Written, P/C Insurance By State, 2018 (1)
($000)
State Total, all lines State Total, all lines
Alabama $8,925,293 Montana $2,556,685
Alaska 1,606,192 Nebraska 5,011,116
Arizona 11,672,535 Nevada 5,722,920
Arkansas 5,460,429 New Hampshire 2,493,214
California 80,948,048 New Jersey 21,986,266
Colorado 13,330,484 New Mexico 3,524,882
Connecticut 8,814,625 New York 48,303,680
Delaware 2,788,295 North Carolina 16,449,705
D.C. 1,976,400 North Dakota 2,565,272
Florida 53,805,330 Ohio 17,102,142
Georgia 21,523,269 Oklahoma 8,336,375
Hawaii 2,590,554 Oregon 7,385,012
Idaho 2,984,349 Pennsylvania 25,284,026
Illinois 25,990,547 Rhode Island 2,490,665
Indiana 11,622,786 South Carolina 10,163,622
Iowa 6,572,681 South Dakota 2,434,835
Kansas 6,685,306 Tennessee 11,895,823
Kentucky 7,833,758 Texas 58,671,521
Louisiana 11,995,270 Utah 5,050,843
Maine 2,361,248 Vermont 1,287,338
Maryland 12,254,030 Virginia 14,309,735
Massachusetts 15,524,235 Washington 12,820,723
Michigan 19,940,205 West Virginia 3,095,270
Minnesota 11,897,630 Wisconsin 10,848,048
Mississippi 5,390,424 Wyoming 1,214,919
Missouri 12,020,354 United States (2) $667,518,914
(1) Before reinsurance transactions, includes state funds, excludes territories. (2) Data for the total United States may differ from similar data shown elsewhere due to the use of different exhibits from S&P Global Market Intelligence. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Life/Annuity Insurers Direct Premiums Written And Annuity Considerations By State, 2018 (1)
($ millions)
State Life insurance Annuities Accident and health insurance (2) Deposit-type contract funds Other considerations Total
Alabama $2,192 $2,992 $1,835 $257 $512 $7,789
Alaska 447 395 322 23 239 1,426
Arizona 2,471 5,468 4,050 317 1,846 14,152
Arkansas 1,118 1,576 1,041 74 297 4,106
California 17,576 25,873 14,901 2,754 10,248 71,352
Colorado 2,745 5,601 4,184 1,218 1,025 14,773
Connecticut 2,542 5,331 3,073 9,214 2,268 22,430
Delaware 1,346 2,606 773 56,272 553 61,550
D.C. 434 687 1,039 1,434 789 4,382
Florida 9,638 19,451 14,917 1,468 4,679 50,153
Georgia 5,043 5,650 8,577 2,026 3,092 24,389
Hawaii 840 1,496 1,227 76 449 4,088
Idaho 596 1,200 829 72 293 2,990
Illinois 7,059 9,872 6,191 1,344 2,873 27,339
Indiana 3,060 5,628 4,809 2,341 1,054 16,892
Iowa 2,426 3,213 1,529 8,013 3,219 18,399
Kansas 1,361 2,299 3,984 1,289 412 9,346
Kentucky 1,606 2,647 1,779 268 890 7,191
Louisiana 2,441 3,570 2,170 266 595 9,043
Maine 451 1,252 926 67 223 2,919
Maryland 3,071 5,299 3,763 679 1,351 14,163
Massachusetts 3,805 7,798 3,586 1,771 3,438 20,396
Michigan 4,630 10,796 3,633 1,194 1,868 22,120
Minnesota 4,755 4,951 1,715 917 2,158 14,497
Mississippi 1,272 1,748 1,500 278 206 5,004
Missouri 2,778 6,069 4,853 736 2,079 16,515
Montana 374 492 416 35 177 1,493
Nebraska 1,086 1,841 1,566 487 486 5,466
Nevada 1,174 1,665 1,334 309 512 4,994
New Hampshire 619 2,263 716 145 861 4,604
New Jersey 6,471 12,022 6,906 1,495 2,724 29,618
New Mexico 659 1,053 1,146 80 447 3,385
New York 12,378 19,016 10,158 41,063 9,191 91,806
North Carolina 4,805 7,581 6,365 664 2,774 22,189
North Dakota 436 663 340 80 186 1,704
Ohio 5,125 11,307 7,933 14,931 2,334 41,631
Oklahoma 1,480 2,183 1,833 239 556 6,291
Oregon 1,290 2,672 2,148 246 1,130 7,485
Pennsylvania 6,476 13,889 7,694 2,899 3,160 34,118
Rhode Island 459 1,258 540 135 206 2,597
South Carolina 2,261 3,950 4,092 238 504 11,044
South Dakota 853 570 414 260 122 2,219
Tennessee 3,237 5,545 3,837 935 1,226 14,780
Texas 12,244 17,441 18,006 5,113 3,190 55,994
Utah 1,490 2,498 1,437 361 618 6,404
Vermont 255 590 385 81 155 1,466
Virginia 4,314 6,319 5,939 744 1,394 18,710
Washington 2,606 4,812 4,095 561 1,667 13,741
West Virginia 633 1,210 860 95 161 2,959
Wisconsin 2,673 5,296 3,819 698 1,197 13,683
Wyoming 273 500 376 30 76 1,254
United States (3) $159,375 $270,102 $189,561 $166,290 $81,710 $867,039
(1) Direct premiums written before reinsurance transactions; excludes state funds. (2) Excludes accident and health premiums reported on property/casualty and health annual statements. (3) Excludes territories, dividends and other nonstate specific data. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Direct Premiums Written, Property/Casualty Insurance, By State By Line, 2018 (1)
($000)
  Private passenger auto Commercial auto Homeowners multiple peril Farmowners multiple peril Commercial multiple peril
State Liability Coll./Comp. Liability Coll./Comp.
Alabama $1,988,252 $1,573,265 $413,458 $155,998 $1,741,767 $79,052 $596,494
Alaska 283,297 202,754 54,936 15,723 171,663 641 103,150
Arizona 3,215,015 2,069,258 497,631 132,906 1,687,244 16,767 633,561
Arkansas 1,115,611 956,719 280,496 122,765 941,727 35,895 337,899
California 17,237,262 12,651,489 3,455,044 940,745 8,365,295 214,106 4,852,169
Colorado 3,015,687 2,020,160 503,607 180,119 2,486,828 88,862 846,384
Connecticut 1,964,892 1,118,120 352,859 92,547 1,526,118 7,089 653,736
Delaware 632,187 281,215 110,068 25,508 283,058 7,577 369,249
D.C. 209,587 161,815 45,127 7,141 166,369 0 166,522
Florida 14,530,297 5,921,229 2,805,041 453,599 9,631,263 24,607 1,917,672
Georgia 6,122,284 3,276,798 1,102,837 305,699 3,346,783 127,062 1,074,036
Hawaii 447,617 333,734 97,611 26,418 399,064 0 183,975
Idaho 593,914 451,351 130,303 68,983 386,963 67,371 218,843
Illinois 4,284,985 3,365,575 1,354,944 394,438 3,719,689 185,254 1,766,273
Indiana 2,246,823 1,688,501 541,114 230,615 1,990,281 197,375 860,941
Iowa 898,797 937,006 247,398 177,599 811,406 221,208 403,913
Kansas 1,010,230 940,087 214,213 141,135 1,205,261 247,170 388,410
Kentucky 2,064,892 1,122,885 347,841 120,959 1,217,016 164,905 532,980
Louisiana 3,128,453 1,694,242 630,686 116,831 1,900,173 14,913 493,020
Maine 403,188 361,426 107,649 50,234 432,543 5,669 246,834
Maryland 3,184,041 2,095,003 509,700 150,192 1,841,929 29,978 670,354
Massachusetts 3,015,665 2,386,015 700,964 244,507 2,460,803 3,845 1,253,542
Michigan 6,045,386 3,468,716 737,024 347,158 2,852,002 147,014 1,105,084
Minnesota 2,130,705 1,665,036 399,226 218,108 2,188,417 155,277 732,913
Mississippi 1,077,978 895,330 303,725 104,148 990,765 27,829 324,200
Missouri 2,302,778 1,826,656 477,446 214,356 2,130,092 186,443 801,329
Montana 389,636 385,391 109,777 72,841 352,551 78,235 187,684
Nebraska 700,163 612,974 166,045 131,394 772,065 244,344 285,339
Nevada 1,923,138 796,629 291,177 50,577 620,692 8,491 337,846
New Hampshire 446,618 434,284 107,554 40,189 420,199 3,180 252,018
New Jersey 5,460,852 2,492,681 1,345,272 241,477 2,714,311 3,018 1,540,216
New Mexico 922,099 565,495 169,440 56,688 547,015 26,343 234,740
New York 8,969,142 5,013,436 2,304,594 387,670 5,426,122 44,909 4,093,072
North Carolina 3,311,348 3,052,880 736,948 250,806 2,710,120 65,073 982,594
North Dakota 215,281 277,610 95,280 75,701 218,605 128,055 130,938
Ohio 3,873,433 3,064,091 800,875 314,662 2,970,685 177,566 1,293,882
Oklahoma 1,499,287 1,269,163 368,471 158,692 1,705,106 160,419 549,783
Oregon 2,091,386 984,384 332,555 107,601 868,227 69,761 515,993
Pennsylvania 5,074,201 4,053,504 1,189,200 476,047 3,424,268 109,663 1,820,201
Rhode Island 638,045 327,612 93,083 25,930 419,521 389 167,335
South Carolina 2,766,722 1,592,107 387,549 122,686 1,772,140 16,031 505,667
South Dakota 254,621 314,798 76,139 60,474 261,228 126,508 137,034
Tennessee 2,381,566 1,947,504 488,959 242,517 2,101,110 154,752 758,796
Texas 12,724,547 9,952,450 3,167,892 968,360 9,447,668 351,009 2,789,672
Utah 1,327,316 791,620 250,005 90,372 568,442 16,024 291,011
Vermont 186,370 201,471 47,451 27,660 206,220 15,491 140,072
Virginia 3,289,184 2,462,983 578,987 193,884 2,332,033 76,424 821,024
Washington 3,617,032 1,890,796 557,856 179,955 1,830,721 77,183 875,180
West Virginia 700,919 572,853 144,799 55,368 457,072 16,352 206,520
Wisconsin 1,797,461 1,452,107 431,537 208,132 1,484,980 188,966 731,802
Wyoming 184,132 229,092 59,465 35,579 210,760 31,782 101,264
United States $147,894,319 $98,202,297 $30,721,859 $9,613,691 $98,716,381 $4,445,880 $41,283,164
(1) Includes some state funds. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Direct Premiums Written, Property/Casualty Insurance, By State By Line, 2018 (1) (Cont’d)
($000)
State Worker's compensation Excess workers' compensation Medical professional liability Product liability Other liability Fire Allied lines
Alabama $332,458 $16,548 $117,722 $30,391 $645,517 $194,029 $196,820
Alaska 239,826 2,748 23,021 4,846 141,796 52,022 32,026
Arizona 855,382 8,492 201,636 45,518 929,366 136,698 127,866
Arkansas 247,500 3,699 64,145 16,789 402,086 150,259 122,119
California 12,216,581 118,489 728,433 526,955 8,809,881 1,225,854 799,183
Colorado 1,091,059 9,879 149,174 78,837 1,237,557 163,707 194,015
Connecticut 766,829 6,100 183,967 48,242 1,031,808 132,539 123,767
Delaware 222,157 451 29,881 9,338 384,216 25,801 28,627
D.C. 189,380 1,414 27,715 6,692 384,933 34,952 28,415
Florida 3,168,666 45,016 603,909 218,925 5,659,784 1,265,663 2,444,425
Georgia 1,647,260 19,952 307,205 92,789 1,682,258 339,117 290,252
Hawaii 275,023 5,451 28,869 11,189 303,030 82,842 100,153
Idaho 431,782 -10,488 30,729 13,280 213,212 34,851 26,325
Illinois 2,460,770 21,659 456,078 160,004 3,904,932 380,746 309,184
Indiana 799,227 9,924 124,575 84,260 946,997 253,972 165,621
Iowa 680,205 5,731 62,974 39,414 597,491 112,943 121,004
Kansas 393,974 4,816 64,092 33,315 435,709 105,105 157,674
Kentucky 579,041 6,773 115,750 25,326 502,860 119,785 101,423
Louisiana 819,755 44,813 93,078 41,724 926,640 353,386 417,606
Maine 229,586 1,391 40,170 7,636 174,527 46,036 39,302
Maryland 939,813 3,912 286,321 45,354 1,111,026 156,224 131,188
Massachusetts 1,272,890 12,717 319,635 96,662 1,910,278 286,707 238,195
Michigan 1,074,486 10,695 188,019 88,176 1,264,817 320,900 170,871
Minnesota 952,550 1,091 78,579 91,115 1,146,175 199,137 296,890
Mississippi 350,308 5,118 47,642 16,903 329,321 123,788 130,263
Missouri 911,298 18,778 140,174 57,385 1,083,575 197,524 186,110
Montana 274,640 2,937 44,541 10,499 177,197 30,938 34,341
Nebraska 370,228 3,466 33,633 19,817 352,861 64,341 85,668
Nevada 406,478 9,684 64,861 -11,600 536,912 85,507 69,988
New Hampshire 234,968 456 45,049 11,913 207,814 36,065 30,006
New Jersey 2,448,095 12,925 396,637 177,895 2,583,491 338,601 299,243
New Mexico 279,475 3,023 57,811 10,022 240,791 39,935 41,719
New York 5,907,811 27,153 1,611,050 308,196 8,250,875 776,735 598,021
North Carolina 1,419,031 8,880 167,625 87,185 1,280,312 285,418 317,320
North Dakota 5,933 2 9,907 13,076 171,643 38,481 41,910
Ohio 20,349 61,888 220,631 108,282 1,663,364 367,460 240,598
Oklahoma 661,314 5,819 96,422 38,813 628,293 159,473 195,977
Oregon 696,439 7,600 84,205 47,367 582,509 97,814 69,705
Pennsylvania 2,773,627 20,092 654,665 146,688 2,702,770 423,077 288,861
Rhode Island 216,820 1,211 27,831 11,280 232,831 40,717 44,483
South Carolina 829,130 7,434 68,952 48,906 587,865 233,726 186,762
South Dakota 178,069 193 15,806 11,195 132,731 31,826 33,646
Tennessee 818,244 10,404 196,205 54,621 1,058,860 257,765 199,245
Texas 2,509,033 17,387 340,622 311,665 5,420,486 1,755,094 1,819,980
Utah 443,499 2,764 56,898 34,783 456,861 90,292 48,132
Vermont 190,719 296 15,068 6,464 102,146 20,206 14,802
Virginia 1,070,994 13,140 184,111 54,586 1,402,318 221,275 193,935
Washington 22,394 14,795 156,752 74,674 1,234,498 196,633 154,454
West Virginia 271,119 4,517 69,779 10,258 256,540 62,126 38,415
Wisconsin 1,930,928 6,615 75,644 81,185 1,001,757 175,282 153,215
Wyoming 2,929 225 21,838 5,819 102,612 21,026 21,770
United States $57,130,073 $618,075 $9,230,039 $3,564,655 $67,528,129 $12,344,402 $12,201,519
(1) Includes some state funds. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Direct Premiums Written, Property/Casualty Insurance, By State By Line, 2018 (1) (Cont’d)
($000)
State Inland marine Ocean marine Surety Fidelity Burglary and theft Boiler and machinery Financial guaranty
Alabama $336,672 $40,435 $70,824 $13,858 $3,948 $25,263 $1,345
Alaska 94,699 36,109 31,691 2,428 800 10,533 197
Arizona 386,076 21,254 111,585 13,147 4,340 25,366 621
Arkansas 237,585 16,655 36,315 8,326 2,511 15,903 1,141
California 3,102,769 316,797 903,010 129,893 41,684 134,744 23,440
Colorado 449,234 15,559 147,427 23,720 6,879 24,193 4,899
Connecticut 357,169 56,263 61,772 24,264 5,418 18,948 3,270
Delaware 72,446 8,198 25,009 4,335 1,339 4,245 17,226
D.C. 135,511 4,225 147,560 13,628 3,778 5,950 105
Florida 1,518,010 352,226 411,569 62,059 22,136 72,459 4,175
Georgia 713,134 64,503 166,045 32,324 10,040 43,123 1,536
Hawaii 109,624 18,459 43,675 4,302 965 5,829 3,967
Idaho 106,050 7,217 23,688 3,112 896 8,266 0
Illinois 897,059 114,844 212,877 66,334 16,092 72,464 21,662
Indiana 392,436 24,282 88,872 18,885 5,492 57,102 1,749
Iowa 244,331 7,789 48,302 13,273 3,148 24,289 3,503
Kansas 209,131 8,011 46,589 10,394 2,689 19,618 809
Kentucky 283,429 24,483 78,963 10,216 2,665 27,345 806
Louisiana 439,339 139,786 125,195 12,817 5,211 32,851 4,524
Maine 82,733 29,060 17,941 4,270 960 7,993 223
Maryland 395,068 102,079 156,757 25,147 6,161 26,114 3,149
Massachusetts 549,781 95,854 145,001 43,784 8,189 39,688 1,620
Michigan 578,307 76,069 106,584 31,860 9,425 61,155 14,861
Minnesota 394,386 28,464 89,721 27,852 7,750 37,262 2,271
Mississippi 213,434 17,614 42,844 7,969 2,166 13,986 1,330
Missouri 411,479 34,737 78,396 23,858 6,170 29,098 5,630
Montana 86,771 2,880 31,475 3,039 861 6,013 0
Nebraska 172,432 4,688 39,301 7,124 1,937 14,115 532
Nevada 196,196 7,252 91,756 6,936 2,397 12,820 1,204
New Hampshire 94,136 13,007 17,463 4,300 1,005 6,729 112
New Jersey 751,035 155,480 170,269 43,969 10,986 46,046 5,001
New Mexico 111,780 2,395 48,508 4,107 901 6,869 435
New York 1,799,806 375,306 458,837 164,689 37,094 118,850 135,022
North Carolina 684,821 65,246 170,161 37,287 7,913 41,583 6,775
North Dakota 81,075 1,564 20,390 2,913 606 13,871 138
Ohio 667,864 54,103 145,998 40,391 14,849 65,002 24,517
Oklahoma 274,449 19,336 67,435 11,514 2,888 19,780 19,705
Oregon 301,942 30,519 77,551 10,370 3,129 18,116 132
Pennsylvania 833,348 69,067 236,385 52,208 14,598 72,600 11,724
Rhode Island 87,277 37,226 25,811 4,260 1,052 5,024 201
South Carolina 393,913 34,991 83,083 9,996 3,165 25,567 777
South Dakota 69,443 1,571 14,732 3,517 612 6,787 0
Tennessee 469,442 56,897 108,839 18,409 6,429 33,208 242
Texas 2,327,680 280,490 644,862 80,277 30,524 126,749 15,902
Utah 184,170 11,655 58,208 7,795 2,071 11,103 349
Vermont 46,866 3,728 7,576 2,313 555 5,521 2
Virginia 509,917 77,819 184,685 34,969 9,715 32,283 502
Washington 700,619 124,382 181,069 19,349 6,046 34,577 2,778
West Virginia 86,833 3,276 46,993 3,712 898 7,035 163
Wisconsin 333,105 38,009 62,733 22,169 6,339 41,708 408
Wyoming 50,806 1,074 55,247 1,630 403 7,915 0
United States $24,025,621 $3,132,934 $6,467,579 $1,229,298 $347,825 $1,623,656 $350,678
(1) Includes some state funds. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Direct Premiums Written, Property/Casualty Insurance, By State By Line, 2018 (1) (Cont'd)
($000)
State Aircraft Earthquake Federal flood Credit Warranty Accident and health
Alabama $17,541 $7,351 $28,316 $35,416 $11,845 $86,830
Alaska 33,189 27,951 1,535 2,545 467 15,431
Arizona 46,394 8,860 15,800 22,248 35,509 116,590
Arkansas 22,543 34,541 10,258 15,712 7,356 59,697
California 160,264 1,872,381 143,540 143,251 183,962 561,226
Colorado 46,217 10,049 13,851 25,626 32,615 110,487
Connecticut 33,009 6,940 45,584 34,028 7,600 62,610
Delaware 12,063 1,373 14,744 9,623 23,722 151,796
D.C. 2,211 3,212 1,350 11,271 25 136,275
Florida 114,101 28,070 819,242 122,909 566,899 284,735
Georgia 58,068 16,351 40,202 49,946 51,976 154,593
Hawaii 8,566 12,237 36,706 7,854 3,882 13,763
Idaho 11,801 3,628 3,382 3,598 6,447 19,398
Illinois 66,045 71,278 28,012 74,018 254,658 319,096
Indiana 20,108 40,769 16,283 36,433 35,573 254,872
Iowa 11,927 4,113 10,137 12,627 7,268 69,733
Kansas 20,871 7,698 6,020 16,903 178,465 63,974
Kentucky 8,158 50,520 12,279 42,260 12,344 50,767
Louisiana 33,176 8,046 221,062 34,930 5,112 70,831
Maine 4,057 1,919 7,760 8,676 3,398 14,556
Maryland 20,549 11,607 30,105 25,162 23,517 88,151
Massachusetts 16,448 25,507 67,342 41,558 14,775 96,419
Michigan 28,320 8,387 15,319 64,778 574,769 162,730
Minnesota 31,243 4,709 5,949 13,607 36,198 77,368
Mississippi 13,205 16,551 33,807 25,492 5,141 86,218
Missouri 24,467 100,269 16,763 33,342 43,422 160,534
Montana 10,170 5,875 2,781 1,998 1,690 38,217
Nebraska 12,872 2,260 6,498 5,795 5,680 126,823
Nevada 24,942 23,831 6,382 5,656 13,317 38,656
New Hampshire 5,888 2,957 7,392 8,416 5,022 19,204
New Jersey 17,560 25,185 177,573 89,640 26,719 182,569
New Mexico 7,129 2,208 8,160 8,411 5,356 23,503
New York 57,047 50,715 171,671 206,492 62,730 568,831
North Carolina 32,691 11,638 91,203 42,439 41,910 135,279
North Dakota 6,089 751 5,239 779 371 10,250
Ohio 54,337 33,002 25,371 66,747 48,717 191,920
Oklahoma 18,822 19,932 8,012 19,588 18,664 61,963
Oregon 27,349 94,567 16,950 12,496 6,605 70,210
Pennsylvania 32,791 17,205 52,727 67,323 79,081 309,505
Rhode Island 10,228 2,522 16,308 7,216 1,964 21,258
South Carolina 13,096 46,369 114,500 24,025 7,159 95,601
South Dakota 6,773 442 2,359 3,595 1,561 17,478
Tennessee 27,703 83,493 19,772 37,097 9,496 142,485
Texas 181,333 33,495 344,689 283,697 414,591 605,779
Utah 22,642 53,082 2,193 12,019 29,863 77,790
Vermont 1,639 1,059 4,469 2,573 5,983 14,978
Virginia 46,104 19,490 60,772 22,546 20,392 142,541
Washington 41,759 198,103 24,955 35,444 69,578 98,698
West Virginia 3,414 1,315 12,343 8,130 3,702 30,244
Wisconsin 19,604 4,317 9,402 21,257 29,179 180,853
Wyoming 5,374 3,825 1,172 1,222 711 25,937
United States $1,551,899 $3,121,953 $2,838,242 $1,908,413 $3,036,985 $6,519,248
(1) Includes some state funds. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Direct Premiums Written, Property/Casualty Insurance, By State By Line, 2018 (1) (Cont'd)
($000)
State Multiple peril crop Private crop Mortgage guaranty Miscellaneous Private flood
Alabama $64,994 $1,326 $59,553 $33,287 $4,717
Alaska 68 0 17,984 1,389 726
Arizona 96,739 3,821 164,510 28,720 13,616
Arkansas 125,621 20,651 33,393 11,595 2,919
California 424,577 15,388 464,561 101,477 83,599
Colorado 176,482 14,805 126,115 29,635 6,815
Connecticut 6,520 0 69,337 4,729 8,554
Delaware 9,126 139 20,685 1,022 1,870
D.C. 0 0 25,069 54,144 2,023
Florida 104,807 143 359,914 192,116 79,664
Georgia 151,403 1,838 179,689 40,345 13,823
Hawaii 1,247 0 18,129 2,861 3,511
Idaho 71,574 12,415 41,469 2,303 1,686
Illinois 626,943 103,410 229,662 35,989 15,571
Indiana 330,186 30,191 107,135 12,439 9,754
Iowa 612,517 117,767 48,811 6,794 9,262
Kansas 642,245 54,346 44,570 6,162 5,620
Kentucky 145,697 8,831 41,787 5,210 5,563
Louisiana 80,211 3,478 61,673 21,188 20,519
Maine 10,924 4 17,590 1,167 1,826
Maryland 28,307 64 134,169 16,729 6,161
Massachusetts 3,715 0 122,437 32,656 17,036
Michigan 159,322 7,206 171,551 41,928 7,287
Minnesota 569,464 112,693 166,767 30,634 6,072
Mississippi 125,501 3,552 25,555 23,336 5,402
Missouri 373,730 26,344 87,811 20,306 10,054
Montana 191,333 1,506 17,469 2,291 1,108
Nebraska 513,674 212,026 32,056 7,537 3,426
Nevada 21,792 0 71,042 3,764 4,599
New Hampshire 413 0 31,130 4,149 1,579
New Jersey 4,439 91 151,696 39,721 33,571
New Mexico 57,138 2,390 28,964 10,008 2,026
New York 53,504 64 171,861 105,132 47,243
North Carolina 185,384 6,295 171,392 31,669 10,477
North Dakota 871,803 110,287 13,810 1,106 1,809
Ohio 235,654 20,397 165,766 54,343 15,400
Oklahoma 204,531 6,522 47,349 15,780 3,076
Oregon 50,279 2,829 80,197 19,975 6,248
Pennsylvania 49,357 656 183,605 22,839 22,141
Rhode Island 101 0 17,350 3,464 2,317
South Carolina 75,717 85 85,944 10,256 13,703
South Dakota 601,807 54,273 12,752 2,029 834
Tennessee 86,536 3,140 91,821 18,088 12,180
Texas 1,059,117 50,044 430,307 122,897 63,221
Utah 15,288 67 84,123 7,691 2,712
Vermont 2,459 2 11,514 967 699
Virginia 64,520 3,497 154,318 21,310 9,476
Washington 170,010 17,443 171,639 29,291 12,061
West Virginia 2,035 -2 13,426 3,312 1,805
Wisconsin 214,803 16,034 110,887 11,734 5,896
Wyoming 16,390 1,951 11,544 525 900
United States $9,690,003 $1,048,009 $5,201,889 $1,308,040 $622,160
(1) Includes some state funds. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Surplus Lines

Gross Surplus Lines Premiums By State, 2017 (1)
($ millions)
State Total all lines
Alabama  $554.0
Alaska  120.1
Arizona  557.9
Arkansas  NA 
California  7,233.7
Colorado  806.9
Connecticut  583.7
Delaware  140.3
District of Columbia  246.4
Florida  5,252.5
Georgia  1,167.4
Hawaii  255.7
Idaho  NA 
Illinois  1,488.3
Indiana  473.3
Iowa  291.2
Kansas  227.9
Kentucky  215.7
Louisiana  1,414.0
Maine  95.5
Maryland  497.3
Massachusetts  983.9
Michigan NA 
Minnesota  538.4
Mississippi  400.4
Missouri  670.3
Montana  100.4
Nebraska  157.9
Nevada  307.6
New Hampshire  144.4
New Jersey NA 
New Mexico  110.1
New York  4,056.5
North Carolina  732.6
North Dakota  105.2
Ohio  NA 
Oklahoma  325.0
Oregon  376.5
Pennsylvania  NA 
Rhode Island  140.3
South Carolina  629.6
South Dakota  59.8
Tennessee  618.1
Texas  5,566.9
Utah  281.1
Vermont  72.9
Virginia  701.1
Washington  899.5
West Virginia  131.6
Wisconsin  368.6
Wyoming  64.3
United States $40,164.7
(1) Business Insurance survey. NA=Data not available. Source: Business Insurance (www.businessinsurance.com), September, 2018.

Gross State Product

Gross State Product (GSP), Insurance Carriers And Related Activities, 2015-2016
($ millions)
State 2015 2016 As a percent of 2016 total GSP
Alabama $4,552 $4,333 2.13%
Alaska 403 329 0.67
Arizona 8,071 7,911 2.54
Arkansas 2,284 2,384 1.99
California 38,770 35,691 1.34
Colorado 6,612 6,726 2.05
Connecticut 19,973 20,703 7.86
Delaware 10,263 9,683 13.74
D.C. 1,749 1,703 1.31
Florida 27,470 26,986 2.88
Georgia 12,207 12,147 2.26
Hawaii 1,661 1,561 1.82
Idaho 1,208 1,179 1.70
Illinois 38,086 38,822 4.83
Indiana 13,569 13,352 3.94
Iowa 17,290 19,333 10.73
Kansas 4,851 5,197 3.34
Kentucky 5,810 6,186 3.17
Louisiana 4,661 5,051 2.22
Maine 2,014 2,006 3.37
Maryland 8,995 9,422 2.45
Massachusetts 16,566 16,712 3.22
Michigan 15,568 14,979 3.06
Minnesota 14,131 13,552 4.01
Mississippi 2,153 2,232 2.09
Missouri 9,047 9,273 3.13
Montana 755 798 1.75
Nebraska 8,184 8,143 7.00
Nevada 2,843 3,307 2.21
New Hampshire 4,277 4,343 5.54
New Jersey 18,460 18,182 3.12
New Mexico 1,514 1,585 1.74
New York 54,867 59,823 3.88
North Carolina 9,306 9,850 1.90
North Dakota 1,276 1,180 2.31
Ohio 25,370 26,707 4.30
Oklahoma 3,429 3,532 1.97
Oregon 4,620 5,318 2.47
Pennsylvania 26,161 27,441 3.79
Rhode Island 2,810 2,887 4.99
South Carolina 4,694 5,012 2.36
South Dakota 1,184 1,291 2.66
Tennessee 8,619 9,592 2.87
Texas 37,660 40,891 2.61
Utah 2,794 2,961 1.88
Vermont 991 1,063 3.37
Virginia 7,995 8,010 1.62
Washington 7,597 8,226 1.67
West Virginia 1,290 1,457 2.08
Wisconsin 17,205 18,133 5.81
Wyoming 338 362 1.01
United States $542,201 $557,548 2.98%
Note: Last updated: November 14, 2018. Revised statistics for 2015 and 2016. Source: U.S. Department of Commerce, Bureau of Economic Analysis.

State Taxes

Premium Taxes By State, Property/Casualty, Life/Annuity and Health Insurers, 2018 (1)
($000)
State Amount State Amount
Alabama  $376,766 Montana $110,827
Alaska 62,429 Nebraska 62,662
Arizona 550,438 Nevada 395,701
Arkansas 223,362 New Hampshire 111,972
California 2,569,271 New Jersey  614,072
Colorado 262,411 New Mexico 169,355
Connecticut 209,026 New York  1,623,191
Delaware 110,292 North Carolina 589,037
D.C. 115,290 North Dakota 63,274
Florida 1,084,872 Ohio 582,794
Georgia 505,054 Oklahoma 328,756
Hawaii 165,602 Oregon 70,903
Idaho 97,359 Pennsylvania 836,186
Ilinois 456,406 Rhode Island 81,519
Indiana 236,175 South Carolina 239,215
Iowa 114,363 South Dakota 92,488
Kansas 408,321 Tennessee 970,831
Kentucky 165,161 Texas 2,445,005
Louisiana 870,872 Utah 135,180
Maine 99,654 Vermont 59,370
Maryland 541,758 Virginia 516,743
Massachusetts 406,251 Washington 630,657
Michigan 395,999 West Virginia 169,607
Minnesota 519,547 Wisconsin 207,729
Mississippi 338,576 Wyoming 23,481
Missouri 464,418 United States $22,480,228
(1) Includes other insurance companies. Data are for each state's fiscal year. Source: U.S. Department of Commerce, Bureau of the Census.

Insurance Companies By State

Domestic Insurance Companies By State, Property/Casualty And Life/Annuities, 2018
 
State Property/casualty Life/annuities State Property/casualty Life/annuities
Alabama 19 7 Montana  13 1
Alaska 4 0 Nebraska  36 34
Arizona 40 25 Nevada  11 0
Arkansas 12 24 New Hampshire 48 1
California 99 14 New Jersey 65 3
Colorado 10 10 New Mexico  19 0
Connecticut 64 26 New York  171 82
Delaware 100 25 North Carolina  53 10
D.C. 7 0 North Dakota  11 3
Florida 116 9 Ohio  145 38
Georgia 23 13 Oklahoma  31 24
Hawaii 16 4 Oregon  17 3
Idaho 10 1 Pennsylvania  163 22
Illinois 195 51 Rhode Island  24 2
Indiana 61 26 South Carolina  20 6
Iowa 74 42 South Dakota  15 2
Kansas 25 11 Tennessee  15 10
Kentucky 8 6 Texas  200 123
Louisiana 34 30 Utah  10 17
Maine 12 3 Vermont  12 1
Maryland 29 4 Virginia  19 3
Massachusetts 48 16 Washington  6 6
Michigan 65 21 West Virginia  19 1
Minnesota 39 8 Wisconsin  167 17
Mississippi 15 14 Wyoming  2 0
Missouri 44 28 United States (1) 2,507 841
(1) Excludes territories. Excludes health insurers, risk retention groups, fraternals, title and other insurers. Source: Insurance Department Resources Report, 2019 published by the National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or redistribution strictly prohibited without written permission of NAIC.
Regulated Insurance Entities By State, 2017
 
State Domestic insurers (1) Licensed out-of-state insurers (2) Chartered self-insured groups or pools Chartered purchasing groups All companies doing business in state (3)
Alabama  40 1,417 0 11 1,468
Alaska  5 756 0 1 762
Arizona  117 1,584 25 24 1,750
Arkansas  56 1,489 0 1 1,546
California  132 1,123 0 43 1,298
Colorado  46 1,435 9 40 1,530
Connecticut  103 1,230 0 26 1,359
Delaware  146 1,317 0 108 1,571
D.C.  50 1,344 0 12 1,406
Florida  437 1,665 14 51 2,167
Georgia  89 1,590 21 0 1,700
Hawaii  46 1,074 11 3 1,134
Idaho  17 1,388 13 0 1,418
Illinois  337 1,419 12 150 1,918
Indiana  149 1,623 15 20 1,807
Iowa  220 1,390 3 0 1,613
Kansas  47 1,496 20 14 1,577
Kentucky  56 1,488 12 11 1,567
Louisiana  105 1,500 22 5 1,632
Maine  15 1,148 18 1 1,182
Maryland  61 1,507 5 14 1,587
Massachusetts  81 1,314 25 4 1,424
Michigan  127 1,362 15 11 1,515
Minnesota  152 1,353 18 20 1,543
Mississippi  42 1,516 0 2 1,560
Missouri  178 1,523 11 6 1,718
Montana  40 1,377 0 5 1,422
Nebraska  103 1,442 6 5 1,556
Nevada  45 1,490 8 4 1,547
New Hampshire  58 1,105 0 7 1,170
New Jersey  118 1,317 50 30 1,515
New Mexico  37 2,442 5 0 2,484
New York  577 1,168 11 78 1,834
North Carolina  81 1,423 3 0 1,507
North Dakota  30 1,348 8 2 1,388
Ohio  245 1,497 0 23 1,765
Oklahoma  78 1,479 3 5 1,565
Oregon  49 1,442 0 7 1,498
Pennsylvania  254 1,565 14 30 1,863
Rhode Island  28 1,280 1 23 1,332
South Carolina  75 1,573 0 10 1,658
South Dakota  38 1,388 0 0 1,426
Tennessee  67 1,438 8 6 1,519
Texas  403 1,558 6 53 2,020
Utah  94 1,643 0 10 1,747
Vermont  112 1,688 0 7 1,807
Virginia  66 1,521 15 19 1,621
Washington  35 1,425 0 8 1,468
West Virginia  29 1,355 1 2 1,387
Wisconsin  334 1,553 0 7 1,894
Wyoming  5 1,374 0 1 1,380
Total U.S. (3) 5,855 (4) 408 920 80,832
(1) Insurers that are domiciled in the state. Includes property/casualty, life/annuities, health, fraternal, title, risk retention groups and "other". (2) This category is comprised of insurers designated by the NAIC as "foreign insurers"—i.e., insurers whose state of domicile is other than the state in which it is writing business.  There is no total in this column to avoid double counting—i.e., insurers are only included in the figures for states in which they are domiciled. (3) Totals include U.S. territories and possessions. (4) No totals shown, so as to avoid double counting.  Totals reflect insurers physically located in the state. Source: Insurance Department Resources Report, 2018, published by the National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or redistribution strictly prohibited without written permission of NAIC.

Catastrophes By State

Top Seven States By Insured Catastrophe Losses, 2018 (1)
($ millions)
Rank State Estimated insured loss Number of claims
1 California $15,094.9 87,050
2 Florida 7,860.6 202,000
3 North Carolina 4,962.1 433,775
4 Colorado 3,931.7 390,150
5 Texas 3,028.3 351,850
6 Georgia 2,150.9 166,150
7 Alabama 1,133.5 60,700
(1) Includes catastrophes causing insured property losses of at least $25 million in 1997 dollars and affecting a significant number of policyholders and insurers. Excludes losses covered by the federally administered National Flood Insurance Program. Source: The Property Claim Services® (PCS®) unit of ISO®, a Verisk Analytics® company.
Storm Surge Risk By State By Number Of Single-Family Homes and Reconstruction Value, 2019 (1)
 
    Number of single-family homes at risk by storm category
Rank State Category 1 Category 2 Category 3 Category 4 Category 5
1 Florida  358,902 1,085,288 1,788,071 2,338,348 2,830,201
2 Louisiana  74,792 213,442 637,354 765,612 839,321
3 Texas  40,633 121,010 259,993 393,837 555,569
4 New Jersey  94,083 276,872 381,551 471,143 (2)
5 New York  76,797 227,962 351,783 467,398 (2)
6 Virginia  23,321 89,387 243,401 365,134 409,259
7 South Carolina  37,155 130,565 216,551 304,442 359,024
8 North Carolina  33,200 97,158 163,632 213,922 264,264
9 Massachusetts  9,310 45,042 101,171 157,311 (2)
10 Georgia  9,863 54,777 112,747 151,627 163,191
11 Maryland  16,473 58,141 96,774 124,684 (2)
12 Mississippi  9,005 29,381 60,167 90,360 102,199
13 Pennsylvania  924 21,406 58,659 85,480 (2)
14 Connecticut  6,874 29,194 47,292 68,022 (2)
15 Alabama  5,777 15,596 29,234 41,164 54,586
16 Delaware  11,027 31,329 49,517 67,320 (2)
17 Rhode Island  1,391 7,423 16,513 25,354 (2)
18 Maine  5,846 8,300 12,336 18,824 (2)
19 New Hampshire  186 3,999 7,069 9,315 (2)
  Total homes potentially affected 815,559 2,546,272 4,633,815 6,158,577 7,071,745
    Reconstruction cost value of single-family homes at risk (3) ($ millions)
Rank State Category 1 Category 2 Category 3 Category 4 Category 5
1 Florida $73,255.3 $225,758.2 $372,102.5 $482,986.8 $581,641.5
2 New York  30,075.0 94,513.9 145,839.3 194,358.1 (2)
3 Louisiana  16,343.1 47,945.9 151,667.9 182,479.3 200,785.2
4 New Jersey  27,035.0 84,599.0 119,106.5 149,676.0 (2)
5 Texas  7,399.5 22,434.1 50,758.8 80,141.0 112,087.7
6 Virginia  6,046.8 22,878.8 58,270.3 87,017.7 98,744.9
7 South Carolina  10,377.6 34,543.8 54,837.2 74,049.4 85,214.8
8 North Carolina  7,094.4 20,928.6 35,570.1 46,843.7 57,973.4
9 Massachusetts  2,381.6 12,625.7 28,897.8 46,442.6 (2)
10 Georgia  2,980.9 14,662.9 27,079.1 35,130.6 37,325.4
11 Maryland  4,046.8 13,834.2 23,084.4 29,768.4 (2)
12 Connecticut  2,429.5 9,913.0 15,895.6 22,659.2 (2)
13 Mississippi  1,947.1 6,186.9 12,375.8 18,241.7 20,554.7
14 Pennsylvania  214.4 5,013.7 14,187.6 20,823.0 (2)
15 Delaware  3,159.6 8,797.1 14,026.2 19,121.3 (2)
16 Alabama  1,143.4 2,917.3 5,387.9 7,534.0 9,888.1
17 Rhode Island  351.3 2,039.2 4,669.2 7,321.1 (2)
18 Maine  1,294.4 1,970.7 3,031.9 4,738.2 (2)
19 New Hampshire  33.9 693.9 1,395.2 1,988.6 (2)
  Total homes potentially affected $197,609.5 $632,257.0 $1,138,183.1 $1,511,320.6 $1,701,112.2
(1) The risk categories are cumulative and increase in value from Category 1 to Category 5. Category 1 represents the higher risk of damage from a weak hurricane; Category 5 includes Categories 1 to 4 and the low risk of damage from a Category 5 hurricane. (2) Storm surge risk for Category 5 storms for homes on the northeastern Atlantic Coast is not shown due to the extremely low probability of a Category 5 storm affecting these areas. (3) Represents the cost to completely rebuild including labor and materials by geographic location. Source: CoreLogic, Inc., a data and analytics company.
Tornadoes And Related Deaths By State, 2018 (1)
 
State Tornadoes Fatalities Rank (2) State Tornadoes Fatalities Rank (2)
Alabama 52 0 5 Montana 10 0 31
Alaska 0 0 (3) Nebraska 37 0 13
Arizona 6 0 35 Nevada 4 0 37
Arkansas 33 1 17 New Hampshire 3 0 38
California 6 0 35 New Jersey 0 0 (3)
Colorado 39 0 12 New Mexico 10 0 31
Connecticut 8 0 33 New York 11 1 29
Delaware 0 0 (3) North Carolina 41 0 10
D.C. 0 0 (3) North Dakota 31 1 18
Florida 48 0 7 Ohio 17 0 25
Georgia 21 0 22 Oklahoma 24 0 21
Hawaii 0 0 (3) Oregon 3 0 38
Idaho 11 0 29 Pennsylvania 31 0 18
Illinois 64 0 4 Rhode Island 1 0 43
Indiana 16 0 26 South Carolina 16 0 26
Iowa 84 0 2 South Dakota 19 0 24
Kansas 45 0 9 Tennessee 20 1 23
Kentucky 41 1 10 Texas 52 0 5
Louisiana 86 1 1 Utah 2 0 40
Maine 0 0 (3) Vermont 0 0 (3)
Maryland 2 2 40 Virginia 34 1 16
Massachusetts 7 0 34 Washington 2 0 40
Michigan 13 0 28 West Virginia 1 0 43
Minnesota 36 0 14 Wisconsin 35 0 15
Mississippi 68 0 3 Wyoming 31 0 18
Missouri 48 1 7 United States (4) 1,169 10  
(1) Ranked by total number of tornadoes. (2) States with the same number of tornadoes receive the same ranking. (3) State had no tornadoes in 2018. (4) The U.S. total will not match data used in other charts because it counts tornadoes that cross state lines. Source: U.S. Department of Commerce, Storm Prediction Center, National Weather Service.
Wildfires By State, 2018
 
State Number of fires Number of acres burned
Alabama 970 15,464
Alaska 367 410,683
Arizona 2,000 165,356
Arkansas 1,119 24,071
California 8,054 1,823,153
Colorado 1,328 475,803
Connecticut 52 40
Delaware 0 0
District of Columbia 0 0
Florida 2,249 138,820
Georgia 2,572 14,236
Hawaii 3 21,979
Idaho 1,132 604,481
Illinois 6 120
Indiana 26 115
Iowa 386 8,014
Kansas 71 59,234
Kentucky 376 8,417
Louisiana 647 10,742
Maine 542 678
Maryland 76 359
Massachusetts 320 210
Michigan 431 3,786
Minnesota 1,344 17,005
Mississippi 1,168 21,194
Missouri 103 6,025
Montana 1,342 97,814
Nebraska 35 122
Nevada 649 1,001,966
New Hampshire 145 61
New Jersey 625 1,347
New Mexico 1,334 382,345
New York 109 848
North Carolina 3,625 18,058
North Dakota 1,026 19,557
Ohio 67 337
Oklahoma 1,707 745,097
Oregon 2,019 897,263
Pennsylvania 1,276 3,614
Puerto Rico 25 389
Rhode Island 32 14
South Carolina 1,136 9,939
South Dakota 433 5,027
Tennessee 341 3,763
Texas 10,541 569,811
Utah 1,333 438,983
Vermont 59 113
Virginia 1,266 15,224
Washington 1,743 438,834
West Virginia 467 6,370
Wisconsin 825 1,678
Wyoming 611 279,243
United States (1) 58,083 8,767,492
(1) Includes Puerto Rico. Source: National Interagency Fire Center.

Residual Markets

Insurance Provided By Beach And Windstorm Plans, Fiscal Year 2018 (1)
 
  Number of policies    
State Habitational Commercial Total Exposure (2) ($000) Direct premiums written ($000)
Alabama 20,910 55 20,965 $5,633,471 $26,471
Mississippi 20,660 236 20,896 3,284,222 35,425
North Carolina 199,392 9,799 209,191 75,011,039 329,955
South Carolina 21,055 341 21,396 6,828,763 41,197
Texas 202,710 9,898 212,608 58,041,760  395,552
Total 464,727 20,329 485,056 $148,799,255 $828,600
(1) The Florida and Louisiana Beach Plans merged with their FAIR Plans, see chart, Insurance Provided By FAIR Plans By State. (2) Exposure is the estimate of the aggregate value of all insurance in force in each state’s Beach and Windstorm Plan in all lines (except liability, where applicable, and crime) for 12 months ending September through December. Source: Property Insurance Plans Service Office (PIPSO).

Incurred Losses By State

Incurred Losses By State, Property/Casualty Insurance, 2018 (1)
($000)
State Incurred losses State Incurred losses
Alabama $5,403,593 Montana $1,389,000
Alaska 913,240 Nebraska 2,660,217
Arizona 6,869,366 Nevada 4,058,416
Arkansas 3,240,912 New Hampshire 1,255,000
California 56,835,067 New Jersey 12,843,320
Colorado 11,163,576 New Mexico 2,258,969
Connecticut 5,076,488 New York 27,755,699
Delaware 1,421,548 North Carolina 12,491,658
D.C. 932,665 North Dakota 1,213,388
Florida 38,581,454 Ohio 8,346,182
Georgia 13,938,391 Oklahoma 4,043,739
Hawaii 1,167,833 Oregon 3,518,503
Idaho 1,817,885 Pennsylvania 14,543,588
Illinois 14,531,584 Rhode Island 1,433,537
Indiana 5,837,873 South Carolina 5,587,254
Iowa 4,465,075 South Dakota 1,356,756
Kansas 3,503,390 Tennessee 5,857,635
Kentucky 4,417,634 Texas 31,165,197
Louisiana 6,360,741 Utah 2,703,200
Maine 1,114,748 Vermont 631,895
Maryland 7,766,651 Virginia 8,389,610
Massachusetts 7,971,753 Washington 6,986,590
Michigan 13,001,444 West Virginia 1,755,893
Minnesota 6,374,792 Wisconsin 6,083,560
Mississippi 2,805,252 Wyoming 851,329
Missouri 6,579,523 United States $401,272,611
(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Incurred Losses By State, Private Passenger Auto Insurance, 2017 (1)
($000)
State Incurred losses State Incurred losses
Alaska $314,041 Montana $411,205
Alabama 2,163,043 Nebraska 860,459
Arizona 3,226,156 Nevada 1,688,025
Arkansas 1,198,932 New Hampshire 505,578
California 18,625,970 New Jersey 4,926,189
Colorado 3,621,116 New Mexico 914,028
Connecticut 1,906,622 New York 9,059,254
Delaware 586,852 North Carolina 3,997,191
D.C. 235,709 North Dakota 260,548
Florida 13,261,488 Ohio 3,983,859
Georgia 5,916,878 Oklahoma 1,504,946
Hawaii 447,382 Oregon 1,790,472
Idaho 596,777 Pennsylvania 5,401,625
Illinois 4,725,727 Rhode Island 606,543
Indiana 2,279,484 South Carolina 2,720,023
Iowa 1,113,383 South Dakota 344,543
Kansas 1,148,198 Tennessee 2,587,310
Kentucky 1,982,809 Texas 15,744,714
Louisiana 3,090,851 Utah 1,246,869
Maine 440,683 Vermont 209,206
Maryland 3,381,242 Virginia 3,509,583
Massachusetts 3,174,053 Washington 3,388,213
Michigan 7,274,070 West Virginia 678,378
Minnesota 2,253,567 Wisconsin 1,929,914
Mississippi 1,181,686 Wyoming 253,819
Missouri 2,564,790 United States $86,711,509
(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.   Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Incurred Losses By State, Homeowners Insurance, 2017 (1)
($000)
State Incurred losses State Incurred losses
Alabama $911,785 Montana $138,443
Alaska 78,263 Nebraska 831,422
Arizona 758,282 Nevada 310,490
Arkansas 450,791 New Hampshire 167,682
California 15,537,312 New Jersey 1,027,437
Colorado 1,847,521 New Mexico 399,164
Connecticut 530,780 New York 2,255,396
Delaware 101,998 North Carolina 1,239,572
D.C. 74,814 North Dakota 66,665
Florida 8,338,668 Ohio 1,382,572
Georgia 2,281,253 Oklahoma 733,822
Hawaii 124,226 Oregon 556,768
Idaho 256,968 Pennsylvania 1,450,507
Illinois 2,872,152 Rhode Island 156,012
Indiana 1,084,975 South Carolina 721,977
Iowa 656,054 South Dakota 186,924
Kansas 639,267 Tennessee 1,057,190
Kentucky 600,526 Texas 6,923,450
Louisiana 616,808 Utah 285,032
Maine 197,973 Vermont 91,470
Maryland 903,136 Virginia 1,294,734
Massachusetts 738,068 Washington 936,217
Michigan 1,477,520 West Virginia 191,015
Minnesota 1,855,159 Wisconsin 821,867
Mississippi 453,816 Wyoming 134,152
Missouri 1,323,972 United States $44,712,084
(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Incurred Losses By State, Commercial Insurance, 2017 (1)
($000)
State Incurred losses State Incurred losses
Alabama $1,928,273 Montana $807,159
Alaska 443,063 Nebraska 1,437,794
Arizona 2,430,346 Nevada 1,222,748
Arkansas 1,071,138 New Hampshire 542,395
California 23,074,869 New Jersey 5,567,523
Colorado 3,584,356 New Mexico 735,018
Connecticut 2,004,376 New York 14,333,172
Delaware 649,864 North Carolina 3,125,029
D.C. 685,534 North Dakota 916,495
Florida 17,443,457 Ohio 2,625,184
Georgia 4,681,475 Oklahoma 1,671,479
Hawaii 785,333 Oregon 1,629,661
Idaho 887,780 Pennsylvania 5,588,566
Illinois 6,200,515 Rhode Island 442,866
Indiana 2,498,782 South Carolina 2,177,300
Iowa 1,676,262 South Dakota 773,575
Kansas 1,494,815 Tennessee 2,796,851
Kentucky 1,665,873 Texas 27,387,739
Louisiana 2,300,704 Utah 844,603
Maine 471,229 Vermont 245,094
Maryland 2,533,930 Virginia 2,826,933
Massachusetts 2,978,951 Washington 2,463,108
Michigan 3,257,866 West Virginia 624,322
Minnesota 2,686,584 Wisconsin 2,707,541
Mississippi 1,165,296 Wyoming 218,242
Missouri 3,153,603 United States $91,754,274
(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.   Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Incurred Losses By State, Workers Compensation Insurance, 2017 (1)
($000)
State Incurred losses State Incurred losses
Alabama $176,437 Montana $163,526
Alaska 105,672 Nebraska 209,544
Arizona 469,656 Nevada 174,104
Arkansas 125,986 New Hampshire 112,784
California 6,011,058 New Jersey 1,323,660
Colorado 528,620 New Mexico 114,313
Connecticut 458,748 New York 3,242,825
Delaware 72,980 North Carolina 602,170
D.C. 112,772 North Dakota 683
Florida 1,688,733 Ohio 9,978
Georgia 824,447 Oklahoma 254,466
Hawaii 156,256 Oregon 322,169
Idaho 260,286 Pennsylvania 1,112,075
Illinois 1,154,306 Rhode Island 115,491
Indiana 366,081 South Carolina 447,122
Iowa 449,446 South Dakota 77,045
Kansas 199,467 Tennessee 378,647
Kentucky 376,290 Texas 855,626
Louisiana 366,253 Utah 182,566
Maine 145,179 Vermont 97,560
Maryland 535,091 Virginia 631,011
Massachusetts 770,369 Washington 10,496
Michigan 465,029 West Virginia 111,717
Minnesota 513,035 Wisconsin 1,114,273
Mississippi 181,370 Wyoming 566
Missouri 517,850 United States $17,031,418
(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Life Insurance Claims And Benefits Paid By State, 2017 (1)
($000)
State Incurred losses State Incurred losses
Alabama $5,783,196 Montana $1,143,322
Alaska 1,043,621 Nebraska 3,555,187
Arizona 9,635,139 Nevada 2,973,536
Arkansas 2,929,500 New Hampshire 2,733,356
California 49,712,978 New Jersey 20,620,200
Colorado 8,025,467 New Mexico 2,476,972
Connecticut 21,504,856 New York 42,760,880
Delaware 12,517,265 North Carolina 16,392,113
D.C. 2,110,613 North Dakota 1,144,214
Florida 34,171,576 Ohio 19,966,748
Georgia 13,338,035 Oklahoma 5,613,329
Hawaii 2,436,644 Oregon 5,565,018
Idaho 1,996,330 Pennsylvania 24,910,828
Illinois 21,127,344 Rhode Island 1,939,775
Indiana 9,754,870 South Carolina 6,526,239
Iowa 7,606,423 South Dakota 1,365,396
Kansas 4,590,045 Tennessee 9,410,224
Kentucky 5,830,964 Texas 30,845,002
Louisiana 6,280,088 Utah 3,805,776
Maine 2,009,390 Vermont 1,056,817
Maryland 9,685,825 Virginia 11,998,252
Massachusetts 16,163,602 Washington 9,086,861
Michigan 17,930,509 West Virginia 2,138,764
Minnesota 12,898,961 Wisconsin 10,383,029
Mississippi 2,955,833 Wyoming 843,230
Missouri 11,086,371 United States $293,125,445
(1) On a direct basis before reinsurance. Includes life insurance, death benefits, matured endowments, annuity benefits, and other life insurance benefits. Does not include accident and health benefits. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Insured Cars By State

Private Passenger Cars Insured In The Shared And Voluntary Markets, 2015
 
State Voluntary market Shared market Total Shared market as a percent of total
Alabama 3,807,469 1 3,807,470 (1)
Alaska 509,494 18 509,512 0.004%
Arizona 4,671,918 0 4,671,918 (1)
Arkansas 2,250,787 2 2,250,789 (1)
California 26,312,194 239 26,312,433 0.001
Colorado 4,187,782 0 4,187,782 (1)
Connecticut 2,532,825 81 2,532,906 0.003
Delaware 665,075 4 665,079 0.001
D.C. 256,184 65 256,249 0.025
Florida 12,740,030 90 12,740,120 0.001
Georgia 7,541,982 0 7,541,982 (1)
Hawaii 887,514 2,767 890,281 0.311
Idaho 1,358,875 1 1,358,876 (1)
Illinois 8,267,931 263 8,268,194 0.003
Indiana 4,881,984 3 4,881,987 (1)
Iowa 2,544,511 7 2,544,518 (1)
Kansas 2,344,275 1,644 2,345,919 0.070
Kentucky 3,256,990 352 3,257,342 0.011
Louisiana 3,029,199 5 3,029,204 (1)
Maine 1,050,156 5 1,050,161 (1)
Maryland 4,103,099 45,276 4,148,375 1.091
Massachusetts 4,382,442 59,907 4,442,349 1.349
Michigan 6,483,696 3,964 6,487,660 0.061
Minnesota 4,042,588 1 4,042,589 (1)
Mississippi 1,968,741 7 1,968,748 (1)
Missouri 4,411,371 3 4,411,374 (1)
Montana 891,195 7 891,202 0.001
Nebraska 1,594,471 1 1,594,472 (1)
Nevada 1,959,151 5 1,959,156 (1)
New Hampshire 952,617 134 952,751 0.014
New Jersey 5,562,788 17,096 5,579,884 0.306
New Mexico 1,589,949 0 1,589,949 (1)
New York 9,603,497 37,988 9,641,485 0.394
North Carolina 5,801,945 2,527,547 8,329,492 30.345
North Dakota 683,291 3 683,294 (1)
Ohio 8,451,516 0 8,451,516 (1)
Oklahoma 2,958,973 9 2,958,982 (1)
Oregon 2,835,071 3 2,835,074 (1)
Pennsylvania 8,875,394 6,171 8,881,565 0.069
Rhode Island 686,338 14,908 701,246 2.126
South Carolina 3,788,647 0 3,788,647 (1)
South Dakota 761,533 0 761,533 (1)
Tennessee 4,686,626 6 4,686,632 (1)
Texas (2) NA NA NA NA
Utah 2,022,667 1 2,022,668 (1)
Vermont 506,275 35 506,310 0.007
Virginia 6,324,114 398 6,324,512 0.006
Washington 4,838,049 5 4,838,054 (1)
West Virginia 1,364,829 9 1,364,838 0.001
Wisconsin 4,167,640 2 4,167,642 (1)
Wyoming 566,581 0 566,581 (1)
United States 199,962,269 2,719,033 202,681,302 1.342%
(1) Less than 0.001 percent. (2) Texas information is no longer available. NA=Data not available. Source: AIPSO.

Insured Homes By State

Percent Of Occupied Housing Units That Are Owner Occupied, 2017
 
State Percent Rank (1) State Percent Rank (1)
Alabama 68.0% 17 Montana 69.2% 12
Alaska 63.5 39 Nebraska 66.3 25
Arizona 64.7 37 Nevada 56.6 48
Arkansas 65.3 33 New Hampshire 69.8 9
California 54.8 49 New Jersey 63.8 38
Colorado 65.2 34 New Mexico 67.9 18
Connecticut 66.2 26 New York 53.8 50
Delaware 70.9 6 North Carolina 65.4 31
D.C. 42.2 51 North Dakota 63.4 40
Florida 65.2 34 Ohio 65.8 29
Georgia 62.9 41 Oklahoma 65.5 30
Hawaii 58.5 47 Oregon 62.8 42
Idaho 69.7 10 Pennsylvania 68.3 16
Illinois 66.2 26 Rhode Island 60.8 46
Indiana 69.0 13 South Carolina 68.7 14
Iowa 71.6 3 South Dakota 67.7 19
Kansas 65.9 28 Tennessee 65.4 31
Kentucky 66.5 24 Texas 62.0 45
Louisiana 65.2 34 Utah 69.9 8
Maine 73.2 1 Vermont 69.5 11
Maryland 66.7 21 Virginia 66.6 22
Massachusetts 62.3 44 Washington 62.8 42
Michigan 71.3 5 West Virginia 72.5 2
Minnesota 71.6 3 Wisconsin 66.6 22
Mississippi 68.5 15 Wyoming 70.8 7
Missouri 67.0 20 United States 63.9%  
(1) States with the same percentages receive the same rank. Source: U.S. Department of Commerce, Census Bureau; American Community Survey.

Businesses By State

Small Businesses By State, 2016 (1)
 
State Number of establishments Employment Annual payroll ($000)
Alabama 78,143 789,425 $30,018,575
Alaska 17,943 141,147 7,124,700
Arizona 110,567 1,039,228 41,008,852
Arkansas 53,268 490,497 16,631,510
California 791,268 7,129,204 358,150,665
Colorado 139,250 1,117,202 49,785,711
Connecticut 73,668 750,457 38,147,323
Delaware 20,125 187,556 8,405,445
D.C. 17,494 247,461 17,036,469
Florida 459,442 3,397,931 136,614,721
Georgia 183,114 1,637,892 67,493,750
Hawaii 26,827 275,115 11,002,038
Idaho 39,638 315,753 10,949,145
Illinois 267,689 2,485,857 117,261,950
Indiana 115,190 1,222,372 46,269,304
Iowa 68,059 651,635 24,572,165
Kansas 61,431 604,215 23,059,844
Kentucky 72,174 702,054 25,306,833
Louisiana 85,918 902,758 35,251,364
Maine 35,675 289,156 10,862,375
Maryland 113,364 1,143,191 55,359,804
Massachusetts 148,286 1,490,416 80,670,085
Michigan 183,654 1,868,885 78,501,914
Minnesota 125,762 1,254,958 53,513,795
Mississippi 46,691 440,399 14,687,162
Missouri 132,403 1,168,725 44,660,147
Montana 33,571 245,411 8,535,610
Nebraska 45,835 412,291 15,497,472
Nevada 52,395 487,407 19,827,058
New Hampshire 31,262 295,895 13,519,733
New Jersey 198,465 1,810,107 88,789,061
New Mexico 35,363 334,945 11,893,311
New York 479,785 4,106,086 212,598,431
North Carolina 183,310 1,672,050 63,259,331
North Dakota 20,984 198,964 8,091,321
Ohio 198,256 2,192,920 86,821,441
Oklahoma 76,777 712,582 26,249,309
Oregon 98,754 852,983 33,924,027
Pennsylvania 244,364 2,497,524 104,480,380
Rhode Island 24,353 229,974 9,737,106
South Carolina 83,895 794,711 28,305,722
South Dakota 23,489 210,534 7,372,619
Tennessee 103,404 1,096,245 44,433,022
Texas 461,664 4,706,864 203,630,905
Utah 65,802 572,888 22,826,217
Vermont 18,696 161,080 6,379,406
Virginia 158,783 1,535,136 71,122,620
Washington 158,747 1,379,558 63,729,094
West Virginia 28,519 275,145 9,193,591
Wisconsin 116,427 1,258,929 48,714,638
Wyoming 18,335 131,499 5,189,974
United States 6,428,278 59,915,217 $2,616,467,045
(1) Number of establishments with less than 500 employees. Source: U.S. Census, County Business.