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Current Table

Private Flood Insurance, 2017-2023
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($000)

Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2017 $470,961 69.5% 186.1 92.3 pts.
2018 540,875 14.8 55.0 -131.1
2019 287,197 -46.9 58.5 3.5
2020 302,444 5.3 50.7 -7.8
2021 524,209 73.3 65.0 14.3
2022 774,250 47.7 70.9 5.9
2023 803,075 3.7 33.7 -37.3

(1) After reinsurance transactions, excludes state funds and premiums written by private insurers participating in the National Flood
Insurance Program's Write Your Own program.
(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.

 

Archived Tables

Private Flood Insurance, 2016-2018
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($000)

Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2016 $277,819 NA 93.8 NA
2017 470,961 69.5% 186.1 92.3 pts.
2018 540,875 14.8 55.0 -131.1

(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 numbers.

NA=Data not available.

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

 
Private Flood Insurance, 2016-2019
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($000)

Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2016 $277,819 NA 93.8 NA
2017 470,961 69.5% 186.1 92.3 pts.
2018 540,875 14.8 55.0 -131.1
2019 287,184 -46.9 58.5 3.5

(1) After reinsurance transactions, excludes state funds and premiums written by private insurers participating in the National Flood Insurance Program's Write Your Own program.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded numbers.

NA=Data not available.

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

 
Private Flood Insurance, 2016-2020
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($000)

Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2016 $277,819.0 NA 93.8 NA
2017 470,961.0 69.5% 186.1 92.3 pts.
2018 540,875.0 14.8 55.0 -131.1
2019 287,197.0 -46.9 58.5 3.5
2020 302,444.0 5.3 50.7 -7.8

(1) After reinsurance transactions, excludes state funds and premiums written by private insurers participating in the National Flood
Insurance Program's Write Your Own program.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded numbers.

NA=Data not available.

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

 
Private Flood Insurance, 2016-2021
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($000)

Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2016 $277,819.0 NA 93.8 NA
2017 470,961.0 69.5% 186.1 92.3 pts.
2018 540,875.0 14.8 55.0 -131.1
2019 287,197.0 -46.9 58.5 3.5
2020 302,444.0 5.3 50.7 -7.8
2021 506,820.0 67.6 66.5 15.8

(1) After reinsurance transactions, excludes state funds and premiums written by private insurers participating in the National Flood
Insurance Program's Write Your Own program.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded numbers.

NA=Data not available.

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

 
Private Flood Insurance, 2017-2022
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($000)

Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2017 $470,961.0 0.7% 186.1 92.3 pts.
2018 540,875.0 0.1 55.0 -131.1
2019 287,197.0 -46.9 58.5 3.5
2020 302,444.0 5.3 50.7 -7.8
2021 524,209.0 73.3 65.0 14.3
2022 768,688.0 46.6 70.8 5.8

(1) After reinsurance transactions, excludes state funds and premiums written by private insurers participating in the National Flood
Insurance Program's Write Your Own program.
(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.