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.