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.