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Fire Insurance, 2015-2024

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2015 $11,256,060 -2.0% 85.2 -0.4 pts.
2016 10,928,996 -2.9 92.4 7.2
2017 10,594,554 -3.1 119.0 26.6
2018 11,619,094 9.7 110.9 -8.1
2019 11,926,099 2.6 95.9 -15.0
2020 13,187,551 10.6 103.8 7.9
2021 15,559,866 18.0 105.9 2.0
2022 16,467,037 5.8 94.0 -11.9
2023 20,955,396 27.3 86.2 -7.8
2024 23,650,777 12.9 77.4 -8.8

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Fire Insurance, 2014-2023

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2014 $11,501,516 2.4% 86.0 6.9 pts.
2015 11,417,751 -0.7 84.9 -1.1
2016 11,005,907 -3.6 92.0 7.2
2017 10,688,228 -2.9 118.6 26.6
2018 11,622,617 8.7 111.4 -7.2
2019 11,935,179 2.7 95.9 -15.5
2020 13,196,751 10.6 104.5 8.6
2021 15,562,961 17.9 106.4 2.0
2022 16,542,615 6.3 94.4 -12.0
2023 20,985,419 26.9 85.9 -8.5

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Fire Insurance, 2013-2022

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2013 $11,229,431 4.0% 79.1 -8.3 pts.
2014 11,501,516 2.4 86.0 6.9
2015 11,417,751 -0.7 84.9 -1.1
2016 11,005,907 -3.6 92.0 7.2
2017 10,688,228 -2.9 118.6 26.6
2018 11,622,617 8.7 111.4 -7.2
2019 11,935,179 2.7 95.9 -15.5
2020 13,196,751 10.6 104.5 8.6
2021 15,557,353 17.9 106.4 2.0
2022 16,485,819 6.0 94.6 -11.8

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Fire Insurance, 2012-2021

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2012 $10,795,612 4.6% 87.4 -6.7 pts.
2013 11,229,431 4.0 79.1 -8.3
2014 11,501,516 2.4 86.0 6.9
2015 11,417,751 -0.7 84.9 -1.1
2016 11,005,907 -3.6 92.0 7.2
2017 10,688,228 -2.9 118.6 26.6
2018 11,622,617 8.7 111.4 -7.2
2019 11,935,179 2.7 95.9 -15.5
2020 13,196,751 10.6 104.5 8.6
2021 14,767,762 11.9 107.5 3.0

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Fire Insurance, 2011-2020

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2011 $10,317,968 1.2% 94.1 13.9 pts.
2012 10,795,612 4.6 87.4 -6.7
2013 11,229,431 4.0 79.1 -8.3
2014 11,501,516 2.4 86.0 6.9
2015 11,417,751 -0.7 84.9 -1.1
2016 11,005,907 -3.6 92.0 7.2
2017 10,688,228 -2.9 118.6 26.6
2018 11,622,617 8.7 111.4 -7.2
2019 11,941,818 2.7 95.9 -15.5
2020 13,196,226 10.5 104.5 8.6

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Fire Insurance, 2010-2019

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2010 $10,199,101 0.9% 80.2 1.7 pts.
2011 10,317,968 1.2 94.1 13.9
2012 10,795,612 4.6 87.4 -6.7
2013 11,229,431 4.0 79.1 -8.3
2014 11,501,516 2.4 86.0 6.9
2015 11,417,751 -0.7 84.9 -1.1
2016 11,005,907 -3.6 92.0 7.2
2017 10,688,228 -2.9 118.6 26.6
2018 11,622,617 8.7 111.4 -7.2
2019 11,948,783 2.8 95.9 -15.5

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Fire Insurance, 2009-2018

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2009 $10,109,161 2.1% 78.6 -13.7 pts.
2010 10,199,101 0.9 80.2 1.7
2011 10,317,968 1.2 94.1 13.9
2012 10,795,612 4.6 87.4 -6.7
2013 11,229,431 4.0 79.1 -8.3
2014 11,501,516 2.4 86.0 6.9
2015 11,417,751 -0.7 84.9 -1.1
2016 11,005,907 -3.6 92.0 7.2
2017 10,688,228 -2.9 118.6 26.6
2018 11,622,400 8.7 111.4 -7.2

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Fire Insurance, 2008-2017

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2008 $9,906,059 2.5% 92.3 6.7 pts.
2009 10,109,161 2.1 78.6 -13.7
2010 10,199,101 0.9 80.2 1.7
2011 10,317,968 1.2 94.1 13.9
2012 10,795,612 4.6 87.4 -6.7
2013 11,229,431 4.0 79.1 -8.3
2014 11,501,516 2.4 86.0 6.9
2015 11,417,751 -0.7 84.9 -1.1
2016 11,005,907 -3.6 92.0 7.2
2017 10,688,228 -2.9 118.6 26.6

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Fire Insurance, 2007-2016

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2007 $9,664,054 3.2% 85.6 7.6 pts.
2008 9,906,059 2.5 92.3 6.7
2009 10,109,161 2.1 78.6 -13.7
2010 10,199,101 0.9 80.2 1.7
2011 10,317,968 1.2 94.1 13.9
2012 10,795,612 4.6 87.4 -6.7
2013 11,229,431 4.0 79.1 -8.3
2014 11,501,516 2.4 84.8 5.7
2015 11,417,751 -0.7 84.9 0.1
2016 11,005,045 -3.6 92.0 7.2

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Fire Insurance, 2006-2015

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2006 $9,365,050 18.0% 78.0 -5.3 pts.
2007 9,664,054 3.2 85.6 7.6
2008 9,906,059 2.5 92.3 6.7
2009 10,109,161 2.1 78.6 -13.7
2010 10,199,101 0.9 80.2 1.7
2011 10,317,968 1.2 94.1 13.9
2012 10,795,612 4.6 87.4 -6.7
2013 11,229,431 4.0 79.1 -8.3
2014 11,501,516 2.4 84.8 5.7
2015 11,414,797 -0.8 84.9 0.1

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

FIRE INSURANCE, 2005-2014

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2005 $7,934,584 -1.1% 83.3 10.1 pts.
2006 9,365,050 18.0 78.0 -5.3
2007 9,664,054 3.2 85.6 7.6
2008 9,906,059 2.5 92.3 6.7
2009 10,109,161 2.1 78.6 -13.7
2010 10,199,101 0.9 80.2 1.7
2011 10,317,968 1.2 94.1 13.9
2012 10,795,612 4.6 87.4 -6.7
2013 11,229,431 4.0 79.1 -8.3
2014 11,500,360 2.4 84.8 5.7

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

Source: SNL Financial LC.

FIRE INSURANCE, 2004-2013

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2004 $8,025,042 -4.4% 73.2 -6.5 pts.
2005 7,934,584 -1.1 83.3 10.1
2006 9,365,050 18.0 78.0 -5.3
2007 9,664,054 3.2 85.6 7.6
2008 9,906,059 2.5 92.3 6.7
2009 10,109,161 2.1 78.6 -13.7
2010 10,199,101 0.9 80.2 1.7
2011 10,317,968 1.2 94.1 13.9
2012 10,795,612 4.6 87.4 -6.7
2013 11,229,431 4.0 79.1 -8.3

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

Source: SNL Financial LC.

Fire Insurance, 2016-2025

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2016 $10,928,996 -2.9% 92.4 7.2 pts.
2017 10,594,554 -3.1 119.0 26.6
2018 11,619,094 9.7 110.9 -8.1
2019 11,926,099 2.6 95.9 -15.0
2020 13,187,551 10.6 103.8 7.9
2021 15,559,866 18.0 105.9 2.0
2022 16,467,037 5.8 94.0 -11.9
2023 20,955,416 27.3 86.2 -7.7
2024 23,761,635 13.4 77.8 -8.5
2025 23,209,624 -2.3 83.7 5.9

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.