Wright National Flood Ins Co
Rating Date
October 2025
NAIC
Classification
Classification
Risk Adjusted
Capital Ratio #1
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Capital Ratio #2
Loss
Ratio
Ratio
Total
Assets
Assets
Capital
Net
Premiums
Premiums
Net
Income
Income
Major Rating Factors:
Fair reserve development (3.6 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Good overall results on stability tests (5.1) despite. Stability strengths include good risk diversification. Strong long-term capitalization index (10.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Other Rating Factors:
Excellent profitability index (8.8) despite modest operating losses during the first six months of 2025. Excellent expense controls. Return on equity has been good over the last five years, averaging 10.3%. Excellent liquidity (8.2) with ample operational cash flow and liquid investments.
Stability Factors:
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Other (100%)
Licensed in:
All states
Principal Investments:
Investment grade bonds (47.3%), cash (45.8%), other (6.8%)
Ratios
Premium to Surplus
Reserve to Surplus
--
1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
Combined Ratio
Cash From Underwriting
Net Premium Growth
Investments in Affiliates
--
Corporate Info
Group Affiliation
None
Investment Rating
Company Address
93 Park Place Boulevard
Clearwater, FL 33759
Clearwater, FL 33759
Phone Number
(727) 803-2040
NAIC Number
11523
Website
Largest Affiliates
No affiliate information available.