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Earthquake Insurance, 2015-2024

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2015 $1,642,730 0.6% 28.5 -5.9 pts.
2016 1,526,914 -7.1 34.5 6.1
2017 1,429,548 -6.4 44.6 10.0
2018 1,775,279 24.2 45.4 0.8
2019 1,955,713 10.2 29.4 -15.9
2020 2,349,315 20.1 38.8 9.4
2021 2,894,251 23.2 36.9 -2.0
2022 3,059,133 5.7 31.4 -5.4
2023 3,705,470 21.1 30.1 -1.3
2024 3,734,779 0.8 32.7 2.6

(1) After reinsurance transactions, excludes state funds, such as the California Earthquake Authority, a not-for-profit, privately funded, publicly managed organization that provides coverage in California.
(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.

Earthquake Insurance, 2014-2023

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2014 $1,641,847 3.5% 34.0 3.7 pts.
2015 1,649,753 0.5 28.1 -5.8
2016 1,535,142 -6.9 34.4 6.2
2017 1,511,543 -1.5 42.3 8.0
2018 1,827,543 20.9 44.3 2.0
2019 1,985,433 8.6 29.0 -15.3
2020 2,386,798 20.2 38.1 9.1
2021 2,941,515 23.2 36.4 -1.7
2022 3,122,861 6.2 30.8 -5.6
2023 3,773,573 20.8 29.8 -1.0

(1) After reinsurance transactions, excludes state funds, such as the California Earthquake Authority, a not-for-profit, privately funded, publicly managed organization that provides coverage in California.
(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.

Earthquake Insurance, 2013-2022

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2013 $1,586,985 -0.4% 30.3 -6.0 pts.
2014 1,641,847 3.5 34.0 3.7
2015 1,649,753 0.5 28.1 -5.8
2016 1,535,142 -6.9 34.4 6.2
2017 1,511,543 -1.5 42.3 8.0
2018 1,827,543 20.9 44.3 2.0
2019 1,985,433 8.6 29.0 -15.3
2020 2,386,798 20.2 38.1 9.1
2021 2,941,515 23.2 36.4 -1.7
2022 3,100,930 5.4 30.5 -5.9

(1) After reinsurance transactions, excludes state funds, such as the California Earthquake Authority, a not-for-profit, privately funded, publicly managed organization that provides coverage in California.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded numbers.

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

Earthquake Insurance, 2012-2021

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2012 $1,593,451 8.6% 36.3 -19.5 pts.
2013 1,586,985 -0.4 30.3 -6.0
2014 1,641,847 3.5 34.0 3.7
2015 1,649,753 0.5 28.1 -5.8
2016 1,535,142 -6.9 34.4 6.2
2017 1,511,543 -1.5 42.3 8.0
2018 1,827,543 20.9 44.3 2.0
2019 1,985,433 8.6 29.0 -15.3
2020 2,386,798 20.2 38.1 9.1
2021 2,824,051 18.3 36.1 -2.0

(1) After reinsurance transactions, excludes state funds, such as the California Earthquake Authority, a not-for-profit, privately funded, publicly managed organization that provides coverage in California.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded numbers.

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

Earthquake Insurance, 2011-2020

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2011 $1,467,372 1.6% 55.8 14.4 pts.
2012 1,593,451 8.6 36.3 -19.5
2013 1,586,985 -0.4 30.3 -6.0
2014 1,641,847 3.5 34.0 3.7
2015 1,649,753 0.5 28.1 -5.8
2016 1,535,142 -6.9 34.4 6.2
2017 1,511,543 -1.5 42.3 8.0
2018 1,827,543 20.9 44.3 2.0
2019 1,985,751 8.7 29.0 -15.3
2020 2,386,557 20.2 38.1 9.1

(1) After reinsurance transactions, excludes state funds, such as the California Earthquake Authority, a not-for-profit, privately funded, publicly managed organization that provides coverage in California.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded numbers.

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

Earthquake Insurance, 2010-2019

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2010 $1,443,598 12.0% 41.4 5.1 pts.
2011 1,467,372 1.6 55.8 14.4
2012 1,593,451 8.6 36.3 -19.5
2013 1,586,985 -0.4 30.3 -6.0
2014 1,641,847 3.5 34.0 3.7
2015 1,649,753 0.5 28.1 -5.8
2016 1,535,142 -6.9 34.4 6.2
2017 1,511,543 -1.5 42.3 8.0
2018 1,827,543 20.9 44.3 2.0
2019 1,982,730 8.5 29.0 -15.4

(1) After reinsurance transactions, excludes state funds, such as the California Earthquake Authority, a not-for-profit, privately funded, publicly managed organization that provides coverage in California.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded numbers.

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

Earthquake Insurance, 2009-2018

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2009 $1,288,353 2.3% 36.3 2.8 pts.
2010 1,443,598 12.0 41.4 5.1
2011 1,467,372 1.6 55.8 14.4
2012 1,593,451 8.6 36.3 -19.5
2013 1,586,985 -0.4 30.3 -6.0
2014 1,641,847 3.5 34.0 3.7
2015 1,649,753 0.5 28.1 -5.8
2016 1,535,142 -6.9 34.4 6.2
2017 1,511,543 -1.5 42.3 8.0
2018 1,827,535 20.9 44.4 2.0

(1) After reinsurance transactions, excludes state funds, such as the California Earthquake Authority (CEA), a not-for-profit, privately funded, publicly managed organization that provides coverage in California.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded numbers.

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

Earthquake Insurance, 2008-2017

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2008 $1,259,872 1.1% 33.5 3.5 pts.
2009 1,288,353 2.3 36.3 2.8
2010 1,443,598 12.0 41.4 5.1
2011 1,467,372 1.6 55.8 14.4
2012 1,593,451 8.6 36.3 -19.5
2013 1,586,985 -0.4 30.3 -6.0
2014 1,641,847 3.5 34.0 3.7
2015 1,649,753 0.5 28.1 -5.8
2016 1,535,142 -6.9 34.4 6.2
2017 1,511,543 -1.5 42.3 8.0

(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 numbers.

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

Earthquake Insurance, 2007-2016

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2007 $1,246,538 -5.2% 30.0 -10.4 pts.
2008 1,259,872 1.1 33.5 3.5
2009 1,288,353 2.3 36.3 2.8
2010 1,443,598 12.0 41.4 5.1
2011 1,467,372 1.6 55.8 14.4
2012 1,593,451 8.6 36.3 -19.5
2013 1,586,985 -0.4 30.3 -6.0
2014 1,641,847 3.5 34.1 3.8
2015 1,649,753 0.5 28.1 -6.0
2016 1,533,890 -7.0 34.3 6.2

(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 numbers.

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

Earthquake Insurance, 2006-2015

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2006 $1,315,423 18.9% 40.4 -10.5 pts.
2007 1,246,538 -5.2 30.0 -10.4
2008 1,259,872 1.1 33.5 3.5
2009 1,288,353 2.3 36.3 2.8
2010 1,443,598 12.0 41.4 5.1
2011 1,467,372 1.6 55.8 14.4
2012 1,593,451 8.6 36.3 -19.5
2013 1,586,985 -0.4 30.3 -6.0
2014 1,641,847 3.5 34.1 3.8
2015 1,650,225 0.5 28.1 -6.0

(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 numbers.

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

EARTHQUAKE INSURANCE, 2005-2014

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2005 $1,106,671 0.7% 50.9 2.3 pts.
2006 1,315,423 18.9 40.4 -10.5
2007 1,246,538 -5.2 30.0 -10.4
2008 1,259,872 1.1 33.5 3.5
2009 1,288,353 2.3 36.3 2.8
2010 1,443,598 12.0 41.4 5.1
2011 1,467,372 1.6 55.8 14.4
2012 1,593,451 8.6 36.3 -19.5
2013 1,586,985 -0.4 30.3 -6.0
2014 1,641,847 3.5 34.1 3.8

(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 numbers.

Source: SNL Financial LC.

EARTHQUAKE INSURANCE, 2004-2013

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2004 $1,098,441 4.7% 48.6 -7.4 pts.
2005 1,106,671 0.7 50.9 2.3
2006 1,315,423 18.9 40.4 -10.5
2007 1,246,538 -5.2 30.0 -10.4
2008 1,259,872 1.1 33.5 3.5
2009 1,288,353 2.3 36.3 2.8
2010 1,443,598 12.0 41.4 5.1
2011 1,467,372 1.6 55.8 14.4
2012 1,593,451 8.6 36.3 -19.5
2013 1,586,985 -0.4 30.3 -6.0

(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: SNL Financial LC.

EARTHQUAKE INSURANCE, 2003-2012

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2003 $1,048,714 5.9% 55.9 -31.0 pts.
2004 1,098,441 4.7 48.6 -7.4
2005 1,106,671 0.7 50.9 2.3
2006 1,315,423 18.9 40.4 -10.5
2007 1,246,538 -5.2 30.0 -10.4
2008 1,259,872 1.1 33.5 3.5
2009 1,288,353 2.3 36.3 2.8
2010 1,443,598 12.0 41.4 5.1
2011 1,467,372 1.6 55.8 14.4
2012 1,565,626 6.7 36.5 -19.3

(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.

EARTHQUAKE INSURANCE, 2002-2011

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2002 $997,147 17.8% 67.3 -33.5 pts.
2003 1,043,414 4.6 55.7 -11.6
2004 1,095,733 5.0 48.6 -7.1
2005 1,098,776 0.3 50.8 2.1
2006 1,306,553 18.9 35.2 -15.6
2007 1,247,776 -4.5 29.9 -5.3
2008 1,250,258 0.2 33.8 3.9
2009 1,285,609 2.8 32.5 -1.3
2010 1,436,182 11.7 45.7 13.2
2011 1,458,994 1.6 57.0 11.3

(1) After reinsurance transactions, excluding 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.

EARTHQUAKE INSURANCE, 2001-2010

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2001 $846,785 13.4% 100.7 25.4 pts.
2002 997,147 17.8 67.3 -33.5
2003 1,043,414 4.6 55.7 -11.6
2004 1,095,733 5.0 48.6 -7.1
2005 1,098,776 0.3 50.8 2.1
2006 1,306,553 18.9 35.2 -15.6
2007 1,247,776 -4.5 29.9 -5.3
2008 1,250,258 0.2 33.8 3.9
2009 1,285,609 2.8 32.5 -1.3
2010 1,434,872 11.6 45.7 13.2

(1) After reinsurance transactions, excluding 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.

EARTHQUAKE INSURANCE, 2000-2009

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2000 $746,739 3.1% 75.4 11.0 pts.
2001 846,785 13.4 100.7 25.4
2002 997,147 17.8 67.3 -33.5
2003 1,043,414 4.6 55.7 -11.6
2004 1,095,733 5.0 48.6 -7.1
2005 1,098,776 0.3 50.8 2.1
2006 1,306,553 18.9 35.2 -15.6
2007 1,247,776 -4.5 29.9 -5.3
2008 1,250,258 0.2 33.8 3.9
2009 1,285,813 2.8 32.5 -1.3

(1) After reinsurance transactions, excluding 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.

EARTHQUAKE INSURANCE, 1999-2008

($000)
Year Net premiums
written (1)		 Annual
percent
 change		 Combined
 ratio (2)		 Annual
point
 change (3)
1999 $730,494 NA 64.5 NA
2000 762,443 4.4% 77.7 13.2 pts.
2001 857,562 12.5 108.9 31.2
2002 999,455 16.5 86.6 -22.3
2003 1,048,714 4.9 55.7 -31.0
2004 1,098,441 4.7 48.4 -7.3
2005 1,106,395 0.7 50.7 2.3
2006 1,315,494 18.9 40.1 -10.6
2007 1,261,400 -4.1 29.7 -10.3
2008 1,258,563 -0.2 33.3 3.5

(1) After reinsurance transactions, excluding 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.

NA=Data not available.

Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.

Earthquake Insurance, 2016-2025

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2016 $1,526,914 -7.1% 34.5 6.1 pts.
2017 1,429,548 -6.4 44.6 10.0
2018 1,775,279 24.2 45.4 0.8
2019 1,955,713 10.2 29.4 -15.9
2020 2,349,315 20.1 38.8 9.4
2021 2,894,251 23.2 36.9 -2.0
2022 3,059,133 5.7 31.4 -5.4
2023 3,705,470 21.1 30.1 -1.3
2024 3,734,765 0.8 33.2 3.1
2025 3,434,613 -8.0 35.9 2.7

(1) After reinsurance transactions, excludes state funds, such as the California Earthquake Authority, a not-for-profit, privately funded, publicly managed organization that provides coverage in California.
(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.

Earthquake Insurance, 1999-2007

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
1999 $730,494 NA 64.5 NA
2000 762,443 4.4% 77.7 13.2 pts.
2001 857,562 12.5 108.9 31.2
2002 999,455 16.5 86.6 -22.3
2003 1,048,714 4.9 55.7 -31.0
2004 1,098,441 4.7 48.4 -7.3
2005 1,106,378 0.7 50.7 2.3
2006 1,315,494 18.9 40.1 -10.6
2007 1,260,715 -4.2 29.7 -10.4

(1) After reinsurance transactions, excluding 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.

NA=Data not available.

Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.