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.