View by State

State	Direct premiums written	Percent of total U.S. surplus lines market	State	Direct premiums written	Percent of total U.S. surplus lines market
Alaska	$197,367	0.2%	Montana	$230,865	0.3%
Alabama	1,210,654	1.4	North Carolina	1,459,339	1.7
Arkansas	515,643	0.6	North Dakota	151,558	0.2
Arizona	1,252,224	1.4	Nebraska	378,292	0.4
California	15,337,177	17.7	New Hampshire	174,694	0.2
Colorado	1,670,037	1.9	New Jersey	2,498,109	2.9
Connecticut	856,647	1.0	New Mexico	267,598	0.3
Delaware	291,471	0.3	Nevada	668,790	0.8
D.C.	406,041	0.5	New York	6,523,281	7.5
Florida	11,545,155	13.3	Ohio	1,477,426	1.7
Georgia	2,351,205	2.7	Oklahoma	774,773	0.9
Hawaii	421,938	0.5	Oregon	731,888	0.8
Iowa	568,170	0.7	Pennsylvania	2,187,699	2.5
Idaho	259,548	0.3	Rhode Island	264,048	0.3
Illinois	2,825,081	3.3	South Carolina	1,361,073	1.6
Indiana	1,099,822	1.3	South Dakota	101,777	0.1
Kansas	435,000	0.5	Tennessee	1,233,112	1.4
Kentucky	462,554	0.5	Texas	10,423,630	12.0
Louisiana	2,289,273	2.6	Utah	622,840	0.7
Massachusetts	1,849,799	2.1	Virginia	1,304,468	1.5
Maryland	870,355	1.0	Vermont	118,514	0.1
Maine	163,803	0.2	Washington	1,815,299	2.1
Michigan	1,090,314	1.3	Wisconsin	712,604	0.8
Minnesota	880,073	1.0	West Virginia	176,949	0.2
Missouri	1,183,108	1.4	Wyoming	116,307	0.1
Mississippi	724,402	0.8

(1) Excludes Lloyd's of London and territories. Source: NAIC data, sourced from S&P Global Market Intelligence, �Ӱ�ԭ�� Information Institute.

State	Number of employees	State	Number of employees
Alabama	32.6	Montana	7.5
Alaska	1.9	Nebraska	32.1
Arizona	72.8	Nevada	20.9
Arkansas	19.4	New Hampshire	12.1
California	192.8	New Jersey	87.4
Colorado	47.1	New Mexico	11.9
Connecticut	55.8	New York	149.6
Delaware	6.3	North Carolina	83.2
District of Columbia	3.7	North Dakota	9.5
Florida	218.6	Ohio	127.5
Georgia	101.8	Oklahoma	24.2
Hawaii	7.3	Oregon	24.7
Idaho	13.9	Pennsylvania	129.2
Illinois	144.1	Rhode Island	13.8
Indiana	58.8	South Carolina	40.5
Iowa	47.6	South Dakota	8.4
Kansas	28.4	Tennessee	62.6
Kentucky	34.2	Texas	284.0
Louisiana	35.6	Utah	22.1
Maine	13.4	Vermont	4.2
Maryland	46.0	Virginia	65.3
Massachusetts	78.0	Washington	43.2
Michigan	82.5	West Virginia	9.8
Minnesota	74.8	Wisconsin	73.7
Mississippi	13.0	Wyoming	2.8
Missouri	63.9	United States	2,844.6

(1) Total employment. Does not match data shown elsewhere due to the use of different surveys. Source: �Ӱ�ԭ�� Information Institute and Employees by NAICS industry, Bureau of Labor Statistics, U.S. Department of Commerce.

	Annual payroll			Annual payroll
State	2022	2023	State	2022	2023
Alabama	$3,653,762	$4,031,470	Montana	$691,002	$751,900
Alaska	191,565	188,097	Nebraska	2,891,686	3,041,353
Arizona	7,650,359	8,048,860	Nevada	2,017,688	2,267,370
Arkansas	1,678,545	1,837,262	New Hampshire	1,685,225	1,750,483
California	32,356,464	32,060,855	New Jersey	14,401,592	15,212,485
Colorado	6,138,052	6,527,634	New Mexico	991,734	1,037,512
Connecticut	10,331,075	10,641,959	New York	24,492,943	25,041,770
Delaware	805,901	870,651	North Carolina	9,657,328	10,790,757
District of Columbia	932,807	797,737	North Dakota	687,766	742,259
Florida	25,373,351	28,007,756	Ohio	13,900,648	14,619,423
Georgia	12,501,189	13,622,358	Oklahoma	2,172,469	2,346,250
Hawaii	797,688	830,682	Oregon	3,129,119	3,305,653
Idaho	1,285,531	1,377,701	Pennsylvania	16,336,189	17,569,553
Illinois	18,441,679	19,163,333	Rhode Island	1,452,923	1,530,548
Indiana	5,766,122	6,243,625	South Carolina	3,880,793	4,459,936
Iowa	5,977,749	6,289,414	South Dakota	750,159	792,755
Kansas	3,167,401	3,333,911	Tennessee	6,628,358	7,358,544
Kentucky	3,917,319	4,165,957	Texas	30,002,951	32,332,369
Louisiana	2,788,710	3,210,599	Utah	2,575,485	2,835,121
Maine	1,421,826	1,516,274	Vermont	506,133	523,203
Maryland	4,698,467	4,829,922	Virginia	7,196,890	8,329,857
Massachusetts	11,326,056	11,825,678	Washington	5,807,432	6,052,540
Michigan	7,458,751	8,088,687	West Virginia	769,806	845,220
Minnesota	9,312,438	9,819,780	Wisconsin	8,315,426	8,952,799
Mississippi	1,232,565	1,378,614	Wyoming	236,291	255,309
Missouri	6,987,592	7,547,215	United States	$347,371,000	$369,001,000

Source:Compensation of employees by NAICS industry, Bureau of Economic Analysis, U.S. Department of Commerce.

State	Total, all lines	State	Total, all lines
Alabama	$14,252,695	Montana	$4,140,881
Alaska	2,153,409	Nebraska	8,224,894
Arizona	19,954,849	Nevada	9,600,843
Arkansas	8,916,623	New Hampshire	3,673,409
California	125,167,169	New Jersey	31,667,233
Colorado	22,687,265	New Mexico	5,524,157
Connecticut	12,745,057	New York	69,112,965
D.C.	2,824,398	North Carolina	26,408,439
Delaware	4,200,283	North Dakota	3,834,856
Florida	95,631,126	Ohio	25,494,910
Georgia	35,648,351	Oklahoma	12,284,211
Hawaii	3,974,466	Oregon	11,481,925
Idaho	5,282,288	Pennsylvania	35,322,067
Illinois	39,262,769	Rhode Island	3,692,724
Indiana	17,738,412	South Carolina	16,908,051
Iowa	10,614,474	South Dakota	4,075,664
Kansas	10,228,125	Tennessee	19,338,788
Kentucky	11,157,869	Texas	102,822,631
Louisiana	17,877,430	Utah	8,983,136
Maine	3,603,568	Vermont	1,807,874
Maryland	17,888,933	Virginia	22,281,374
Massachusetts	23,086,817	Washington	20,896,191
Michigan	26,884,264	West Virginia	3,919,990
Minnesota	18,906,625	Wisconsin	15,927,074
Mississippi	8,166,161	Wyoming	2,010,445
Missouri	18,703,069	United States	$1,046,991,227

(1) Before reinsurance transactions, includes state funds, excludes territories. (2) Data for the total United States may differ from similar data shown elsewhere due to the use of different exhibits from S&P Global Market Intelligence. Source: NAIC data, sourced from S&P Global Market Intelligence, �Ӱ�ԭ�� Information Institute.

State	Life insurance	Annuities	Accident and health insurance (2)	Deposit-type contract funds	Other considerations	Total
Alabama	$2,740	$5,782	$3,638	$282	$497	$12,940
Alaska	994	650	334	38	309	2,326
Arizona	4,137	13,973	4,907	542	1,541	25,101
Arkansas	1,417	2,817	1,305	139	294	5,972
California	21,753	49,687	18,749	3,322	12,718	106,227
Colorado	3,433	8,558	5,653	7,204	1,239	26,086
Connecticut	2,850	9,048	5,045	3,206	1,081	21,229
Delaware	2,122	6,182	1,047	108,662	233	118,246
D.C.	522	1,010	1,189	818	187	3,726
Florida	13,174	42,016	18,932	2,120	2,365	78,608
Georgia	6,826	12,029	9,182	2,998	2,670	33,705
Hawaii	1,358	2,634	872	85	388	5,337
Idaho	816	2,182	774	144	488	4,404
Illinois	7,913	19,720	9,916	11,013	3,214	51,776
Indiana	3,654	9,643	5,566	2,905	1,065	22,834
Iowa	3,192	5,983	1,697	13,783	6,009	30,664
Kansas	1,707	3,658	4,491	3,551	344	13,751
Kentucky	1,921	5,445	2,159	258	518	10,301
Louisiana	2,723	7,027	3,424	418	712	14,305
Maine	538	2,199	1,192	103	207	4,239
Maryland	3,623	9,341	4,932	959	1,187	20,043
Massachusetts	4,550	13,989	6,225	1,909	4,152	30,826
Michigan	5,357	19,135	4,926	1,627	1,228	32,272
Minnesota	5,154	10,909	2,790	1,000	1,647	21,500
Mississippi	1,523	2,810	2,334	113	183	6,964
Missouri	3,491	9,992	5,553	2,685	929	22,650
Montana	528	1,022	557	101	309	2,517
Nebraska	1,282	3,292	1,854	912	262	7,602
Nevada	1,704	3,630	1,920	704	800	8,758
New Hampshire	779	3,604	1,039	100	230	5,753
New Jersey	7,838	23,398	11,229	2,812	1,586	46,862
New Mexico	818	1,758	926	125	383	4,010
New York	13,631	33,255	16,542	111,356	5,871	180,654
North Carolina	6,265	17,332	7,861	690	885	33,032
North Dakota	596	1,737	390	371	196	3,290
Ohio	6,470	21,763	8,858	33,014	1,570	71,674
Oklahoma	1,724	3,386	1,834	259	474	7,677
Oregon	1,477	4,393	2,564	408	1,802	10,644
Pennsylvania	7,561	27,339	11,222	2,638	2,280	51,040
Rhode Island	593	2,382	633	115	123	3,845
South Carolina	2,950	8,326	3,744	353	379	15,753
South Dakota	2,586	1,573	529	138	597	5,423
Tennessee	4,116	9,815	5,878	1,403	1,601	22,812
Texas	16,166	36,260	21,156	3,292	4,509	81,382
Utah	1,753	4,890	2,036	2,182	3,633	14,493
Vermont	286	1,450	409	61	140	2,346
Virginia	5,072	11,820	6,641	1,107	929	25,568
Washington	3,550	9,379	4,415	417	2,416	20,177
West Virginia	735	2,351	984	198	165	4,434
Wisconsin	3,466	10,248	5,104	9,950	1,153	29,923
Wyoming	436	722	463	35	91	1,746
United States	$199,869	$521,543	$245,622	$342,625	$77,789	$1,387,447

(1) Direct premiums written before reinsurance transactions. Excludes territories, state funds, dividends and other nonstate specific data. (2) Excludes accident and health premiums reported on property/casualty and health annual statements. Source: NAIC data, sourced from S&P Global Market Intelligence, �Ӱ�ԭ�� Information Institute.

	Private passenger auto		Commercial auto
State	Liability	Coll./Comp.	Liability	Coll./Comp.	Homeowners multiple peril	Farmowners multi peril	Commercial multi peril
Alabama	$2,654,869	$2,416,934	$733,509	$261,055	$2,922,403	$106,082	$1,011,240
Alaska	355,408	307,981	88,352	32,405	239,253	932	116,059
Arizona	4,977,448	3,498,504	1,043,222	273,054	3,398,447	24,579	1,012,360
Arkansas	1,526,061	1,576,674	460,437	189,214	1,656,230	132,107	567,094
California	22,160,877	21,421,154	6,917,419	1,545,480	15,476,643	241,747	7,420,049
Colorado	3,933,628	3,747,233	892,637	336,659	5,245,445	140,975	1,415,943
Connecticut	2,521,814	1,633,591	561,437	149,620	2,346,422	9,711	964,556
Delaware	819,872	460,213	182,837	41,299	471,535	10,760	381,237
D.C.	250,903	223,501	57,784	12,738	243,571	0	240,928
Florida	23,176,007	10,472,047	5,758,866	827,306	18,472,514	27,445	4,062,548
Georgia	9,871,394	4,948,640	2,259,127	501,779	5,665,875	188,814	1,832,222
Hawaii	472,385	460,117	120,554	36,327	568,246	0	313,667
Idaho	885,353	815,194	253,403	127,622	854,110	96,494	402,766
Illinois	5,677,564	5,323,928	2,173,570	718,790	6,330,248	284,133	2,672,416
Indiana	2,819,309	2,714,003	949,669	402,741	3,243,315	267,286	1,307,328
Iowa	1,143,177	1,514,036	432,381	288,013	1,538,729	367,416	723,258
Kansas	1,350,399	1,423,325	367,369	213,730	1,846,478	358,824	617,255
Kentucky	2,415,124	1,739,847	559,840	198,442	1,948,395	239,544	826,977
Louisiana	3,461,999	2,503,163	1,049,544	191,219	3,234,731	17,817	844,045
Maine	514,724	584,998	159,847	85,738	664,813	8,370	385,861
Maryland	4,204,272	3,126,063	828,748	265,277	3,241,847	40,289	954,015
Massachusetts	3,909,396	3,472,545	1,035,234	398,886	3,756,336	5,825	1,957,683
Michigan	5,757,986	5,635,289	1,103,080	533,751	4,279,089	194,542	1,686,144
Minnesota	2,593,673	2,972,818	655,800	375,675	4,030,901	230,092	1,187,747
Mississippi	1,406,533	1,380,841	476,515	162,859	1,613,409	60,443	548,812
Missouri	3,105,792	2,958,832	831,392	372,510	3,423,476	272,869	1,267,543
Montana	519,309	634,311	177,294	113,469	715,777	123,948	317,054
Nebraska	955,708	1,009,752	295,037	198,442	1,451,438	434,520	520,307
Nevada	2,866,308	1,273,540	713,639	101,229	1,041,721	10,041	549,684
New Hampshire	573,063	645,452	161,762	71,130	660,838	4,048	381,389
New Jersey	7,000,069	3,842,338	2,223,721	368,531	4,114,286	4,578	2,231,148
New Mexico	1,177,422	927,105	304,278	96,452	935,370	37,355	347,466
New York	12,273,128	7,447,328	3,794,882	559,064	8,318,509	62,375	5,813,074
North Carolina	4,524,712	4,961,864	1,324,763	498,537	4,806,091	82,289	1,605,762
North Dakota	279,374	413,331	125,978	110,643	352,022	181,367	226,309
Ohio	4,492,758	4,620,672	1,380,897	547,651	4,683,985	233,869	1,958,114
Oklahoma	2,001,727	1,963,218	591,615	254,276	2,698,980	251,362	811,140
Oregon	2,603,928	1,651,119	535,027	183,754	1,632,542	108,825	795,846
Pennsylvania	5,828,304	6,189,393	1,756,466	717,453	5,268,796	139,552	2,618,999
Rhode Island	758,124	476,204	146,517	45,922	688,172	601	259,265
South Carolina	4,296,704	2,490,106	777,724	221,450	3,107,784	24,713	976,351
South Dakota	342,901	545,047	126,869	113,536	506,756	211,779	262,005
Tennessee	3,417,140	3,341,531	897,699	388,907	3,553,650	218,158	1,296,408
Texas	19,626,638	15,764,423	6,746,939	1,624,588	19,238,720	585,043	5,293,921
Utah	2,161,427	1,334,806	498,278	164,937	1,253,681	26,120	505,305
Vermont	207,658	293,828	71,468	41,182	302,292	19,797	202,623
Virginia	4,868,780	3,820,206	935,463	340,566	3,977,482	114,964	1,312,668
Washington	4,705,685	3,400,892	955,120	309,445	3,424,707	108,367	1,341,221
West Virginia	777,584	861,976	178,274	77,269	608,718	22,144	298,039
Wisconsin	2,156,242	2,448,335	668,599	437,713	2,443,298	287,840	1,146,388
Wyoming	232,551	369,624	96,206	59,944	397,269	44,684	164,395
United States	$200,613,210	$158,057,873	$55,437,088	$16,188,280	$172,895,344	$6,665,435	$65,954,633

(1) Includes some state funds. Source: NAIC data, sourced from S&P Global Market Intelligence, �Ӱ�ԭ�� Information Institute.

State	Workers compensation	Excess workers compensation	Medical professional liability	Product liability	Other liability	Fire	Allied lines
Alabama	$440,377	$18,818	$200,161	$58,296	$1,244,226	$434,711	$456,778
Alaska	186,914	3,787	27,236	8,198	252,463	91,444	57,841
Arizona	867,543	17,399	273,276	92,293	1,951,992	375,597	328,046
Arkansas	276,781	8,540	90,965	31,092	778,521	316,358	257,062
California	11,707,981	229,540	1,068,064	716,356	16,098,901	4,253,555	2,114,500
Colorado	1,096,173	17,900	201,326	111,033	2,499,132	507,175	544,672
Connecticut	762,962	21,928	255,924	75,332	1,760,106	279,292	253,386
Delaware	176,327	2,032	45,971	20,578	788,596	66,508	59,503
D.C.	158,281	5,513	31,753	9,995	774,399	81,610	68,970
Florida	3,184,810	81,857	1,052,235	399,001	8,728,727	3,071,656	7,205,586
Georgia	1,833,136	42,294	461,811	165,529	3,482,610	832,662	693,268
Hawaii	360,406	10,542	41,992	17,591	515,144	222,737	377,565
Idaho	484,436	2,392	46,062	27,749	447,117	127,580	88,196
Illinois	2,535,898	55,229	617,648	252,781	6,305,526	921,204	687,701
Indiana	833,756	12,272	187,099	131,854	1,662,064	544,766	363,818
Iowa	665,506	10,796	98,758	60,734	1,012,601	347,775	272,149
Kansas	443,070	8,966	110,724	69,013	782,875	239,469	316,301
Kentucky	565,170	13,419	159,039	41,937	836,909	286,362	218,547
Louisiana	847,144	55,905	116,822	65,388	1,574,271	773,415	1,263,111
Maine	282,402	3,757	58,890	14,929	318,686	79,465	73,214
Maryland	936,639	17,410	339,474	58,575	1,806,595	330,463	274,898
Massachusetts	1,338,416	28,156	422,076	157,091	3,444,486	593,127	527,101
Michigan	1,063,059	28,209	264,120	142,720	2,298,334	610,105	354,883
Minnesota	1,014,400	1,477	116,534	131,385	1,986,990	550,434	638,034
Mississippi	350,949	7,356	65,455	28,552	568,200	282,823	302,123
Missouri	1,084,678	41,653	219,578	88,723	1,928,057	499,591	463,155
Montana	304,397	4,800	46,179	19,589	350,253	86,720	81,818
Nebraska	405,442	4,782	75,919	32,888	605,322	111,494	176,944
Nevada	471,630	25,982	115,627	47,151	1,035,589	232,189	166,978
New Hampshire	225,583	6,043	65,237	20,046	357,599	73,187	62,212
New Jersey	2,636,970	43,410	578,093	237,288	4,255,363	739,428	609,818
New Mexico	296,994	6,445	96,200	17,413	461,361	102,005	95,937
New York	5,171,690	64,658	1,789,552	305,055	13,932,617	1,870,666	1,458,278
North Carolina	1,542,422	27,691	225,064	155,442	2,597,867	605,891	663,093
North Dakota	5,494	14	11,870	20,143	315,224	79,145	72,395
Ohio	21,336	83,740	287,366	163,471	2,883,766	782,127	525,479
Oklahoma	642,274	12,798	124,487	49,824	967,431	350,710	402,778
Oregon	791,763	10,100	125,590	69,929	1,150,982	287,436	181,703
Pennsylvania	2,570,878	37,568	911,700	174,784	4,610,902	863,288	622,338
Rhode Island	230,626	2,194	43,808	15,079	451,213	86,809	95,514
South Carolina	860,269	12,585	98,098	88,147	1,233,431	746,608	432,198
South Dakota	193,948	2,036	20,823	18,850	237,362	100,278	84,458
Tennessee	824,691	19,757	297,768	102,575	1,953,670	594,593	465,755
Texas	2,607,107	25,794	570,396	512,444	10,942,429	4,228,158	4,358,597
Utah	517,784	4,519	94,817	71,540	1,031,827	203,739	127,802
Vermont	195,382	2,621	24,212	9,028	193,800	44,005	30,101
Virginia	996,533	22,698	255,435	83,209	2,460,320	452,292	382,871
Washington	18,785	35,680	250,173	105,951	2,371,260	546,685	371,590
West Virginia	251,931	7,689	80,531	11,697	304,613	87,787	57,844
Wisconsin	1,890,200	10,560	109,717	133,317	1,725,084	425,315	319,227
Wyoming	7,060	82	24,779	8,322	226,646	48,231	44,148
United States	$57,178,405	$1,221,393	$12,896,433	$5,449,910	$120,503,460	$30,468,670	$30,150,283

(1) Includes some state funds. Source: NAIC data, sourced from S&P Global Market Intelligence, �Ӱ�ԭ�� Information Institute.

State	Inland marine	Ocean marine	Surety	Fidelity	Burglary and theft	Boiler and machinery	Financial guaranty
Alabama	$507,230	$65,956	$138,158	$14,261	$7,077	$41,307	$1,956
Alaska	92,244	45,675	40,776	3,060	960	15,695	1,827
Arizona	661,853	41,074	230,949	17,453	10,558	40,006	1,573
Arkansas	320,517	35,658	68,542	9,028	6,087	25,405	463
California	3,664,101	547,640	1,210,133	177,872	63,788	249,310	29,353
Colorado	629,711	34,173	212,941	30,445	11,520	44,193	17,002
Connecticut	443,298	98,720	106,017	25,933	8,886	30,004	1,181
Delaware	234,780	18,904	49,625	7,551	2,927	8,769	64,740
D.C.	164,732	13,050	226,649	16,614	5,890	7,663	751
Florida	2,596,841	742,802	801,511	75,872	39,220	117,970	47,999
Georgia	1,102,697	106,625	302,394	36,828	22,007	83,886	1,070
Hawaii	0	29,353	0	4,849	1,548	7,336	3,596
Idaho	202,692	16,607	56,346	4,300	1,751	18,791	411
Illinois	1,285,134	211,177	351,525	71,141	37,757	120,679	7,181
Indiana	578,709	45,509	177,757	20,403	11,176	71,260	2,275
Iowa	388,629	12,360	67,394	13,569	4,979	37,447	1,652
Kansas	295,929	13,688	71,874	10,765	5,928	31,679	1,100
Kentucky	361,122	40,458	109,330	10,667	7,069	48,033	706
Louisiana	582,047	201,135	175,011	13,565	7,231	59,583	3,064
Maine	140,917	47,903	27,402	4,685	1,469	16,023	237
Maryland	499,557	88,854	236,958	25,359	13,608	40,952	3,899
Massachusetts	713,311	155,044	194,198	55,403	18,440	62,223	545
Michigan	807,864	158,493	175,680	33,891	15,873	93,024	1,201
Minnesota	593,721	42,991	118,723	29,479	12,168	65,611	425
Mississippi	298,039	21,303	80,071	8,180	3,622	21,421	2,798
Missouri	620,081	58,391	146,460	26,245	13,706	55,567	4,728
Montana	145,576	5,570	47,296	3,945	2,084	11,469	288
Nebraska	297,621	69,856	68,129	7,864	3,701	21,416	1,272
Nevada	283,561	15,065	142,339	8,386	4,344	23,974	45
New Hampshire	136,025	20,903	24,942	6,234	1,971	10,761	128
New Jersey	946,380	217,084	246,449	47,401	18,300	78,120	5,028
New Mexico	164,895	3,269	85,925	4,834	2,667	11,485	469
New York	2,202,031	524,994	664,723	178,648	42,910	183,182	78,516
North Carolina	1,041,344	123,542	293,810	43,306	15,978	72,830	13,080
North Dakota	130,156	3,124	36,927	3,582	1,173	18,842	143
Ohio	903,404	91,728	219,480	41,920	26,735	114,213	1,944
Oklahoma	382,932	22,786	125,163	13,047	6,809	26,927	1,559
Oregon	393,612	52,768	129,564	11,401	6,611	34,292	2,039
Pennsylvania	1,071,494	105,942	362,419	54,627	24,083	119,781	11,359
Rhode Island	109,682	58,179	41,129	5,358	2,429	11,294	1,265
South Carolina	577,632	63,043	150,426	11,660	5,802	39,555	4,496
South Dakota	117,789	2,533	34,619	3,734	952	14,318	55
Tennessee	732,043	124,583	198,237	23,483	12,771	63,919	1,576
Texas	3,517,613	466,708	1,190,666	99,346	72,448	243,996	44,737
Utah	298,913	26,033	99,998	11,414	4,722	19,831	696
Vermont	64,649	4,621	13,468	3,210	965	7,386	0
Virginia	743,980	166,646	310,248	41,125	15,867	51,880	764
Washington	756,266	236,834	244,566	24,623	10,383	54,280	1,232
West Virginia	115,791	5,411	59,788	3,718	1,001	12,111	117
Wisconsin	563,021	65,329	103,923	25,085	11,544	72,491	6,276
Wyoming	81,336	3,207	62,532	2,105	630	13,734	190
United States	$33,563,501	$5,373,293	$10,333,188	$1,427,475	$632,129	$2,745,924	$379,006

(1) Includes some state funds. Source: NAIC data, sourced from S&P Global Market Intelligence, �Ӱ�ԭ�� Information Institute.

State	Aircraft	Earthquake	Federal flood	Credit	Warranty	Accident and health
Alabama	$32,162	$13,810	$31,200	$57,222	$17,863	$122,473
Alaska	69,724	60,908	754	4,027	3,125	12,175
Arizona	86,188	23,167	14,327	26,127	42,023	145,252
Arkansas	43,743	58,230	8,556	27,922	11,867	70,351
California	290,921	3,582,421	136,754	230,022	160,484	851,959
Colorado	96,805	19,636	11,697	46,492	42,144	129,193
Connecticut	30,631	13,018	39,681	39,108	19,104	82,080
Delaware	24,168	2,261	15,319	23,178	17,013	148,779
D.C.	7,358	5,470	1,005	39,671	33	103,868
Florida	243,239	81,385	1,295,867	240,073	885,426	416,246
Georgia	106,759	28,990	46,845	78,972	33,159	253,238
Hawaii	11,081	34,311	41,614	11,162	2,055	13,256
Idaho	23,557	12,210	3,769	14,256	6,566	23,999
Illinois	107,152	124,092	22,102	102,359	248,867	473,822
Indiana	41,459	58,860	11,462	55,198	63,412	426,250
Iowa	26,466	7,672	9,278	19,663	5,777	86,598
Kansas	39,812	10,348	5,429	28,352	236,188	87,500
Kentucky	15,114	59,543	12,911	41,922	9,593	97,035
Louisiana	48,545	7,987	295,972	46,955	7,401	104,612
Maine	9,579	3,178	9,510	9,371	7,728	22,696
Maryland	35,405	19,184	24,674	26,071	18,681	99,096
Massachusetts	27,707	54,049	58,638	62,281	64,470	148,059
Michigan	57,310	14,614	12,660	69,184	635,114	230,057
Minnesota	58,870	8,330	9,607	28,317	21,290	86,465
Mississippi	22,061	28,991	42,786	31,436	5,540	80,500
Missouri	39,523	154,668	15,906	54,870	27,498	197,842
Montana	27,469	11,684	2,588	2,531	801	28,487
Nebraska	26,829	3,387	5,489	9,334	5,045	95,112
Nevada	52,520	75,115	6,367	11,161	2,102	51,860
New Hampshire	15,350	5,786	7,307	15,193	7,876	32,892
New Jersey	33,606	41,624	176,485	110,225	53,382	197,463
New Mexico	16,036	6,063	7,082	16,758	3,695	32,254
New York	85,774	120,317	163,272	324,566	100,827	584,810
North Carolina	73,679	31,995	88,552	43,343	48,287	189,151
North Dakota	13,566	1,148	3,871	2,653	898	13,425
Ohio	120,223	44,828	19,117	93,217	127,634	305,787
Oklahoma	34,247	19,515	6,612	29,858	12,984	81,214
Oregon	43,368	206,864	15,743	14,932	6,342	80,242
Pennsylvania	63,443	33,343	48,851	83,211	72,035	415,778
Rhode Island	12,760	4,428	10,955	7,995	4,524	17,323
South Carolina	28,816	69,117	113,716	32,744	11,453	108,672
South Dakota	13,749	681	2,298	16,135	2,328	18,299
Tennessee	67,373	138,836	20,781	62,690	27,188	183,790
Texas	309,457	69,576	441,692	571,386	217,709	605,195
Utah	44,002	148,833	1,967	17,946	74,746	61,400
Vermont	3,832	3,153	5,280	3,127	1,808	25,198
Virginia	115,597	32,811	52,507	70,095	31,118	156,117
Washington	59,589	463,939	23,289	41,353	137,329	95,094
West Virginia	5,061	870	10,633	7,734	5,096	29,144
Wisconsin	42,543	10,354	7,789	36,129	43,393	175,423
Wyoming	12,579	8,403	1,182	3,977	1,065	20,634
United States	$2,916,810	$6,040,006	$3,421,745	$3,042,502	$3,592,088	$8,118,164

(1) Includes some state funds. Source: NAIC data, sourced from S&P Global Market Intelligence, �Ӱ�ԭ�� Information Institute.

State	Multiple peril crop	Private crop	Miscellaneous	Mortgage guaranty	Private flood	Pet insurance
Alabama	$99,787	$948	$43,975	$66,461	$13,097	$18,287
Alaska	54	0	2,144	17,577	2,172	12,237
Arizona	185,456	4,046	24,116	165,238	14,883	86,727
Arkansas	266,274	38,247	7,220	36,449	6,350	8,518
California	863,905	17,512	158,500	533,381	119,610	906,822
Colorado	292,398	22,800	44,055	148,834	14,578	145,242
Connecticut	10,335	0	9,464	72,644	17,781	101,080
Delaware	11,955	108	1,287	22,004	4,579	15,054
D.C.	0	0	24,816	16,950	3,378	26,548
Florida	278,332	492	203,714	456,300	285,870	301,343
Georgia	284,837	4,243	57,610	209,495	23,184	86,327
Hawaii	2,202	0	2,508	19,368	13,242	26,252
Idaho	162,402	14,568	2,742	40,566	2,715	15,562
Illinois	892,563	160,682	49,117	252,782	31,925	156,148
Indiana	481,945	45,173	25,943	126,623	15,143	40,567
Iowa	1,222,167	149,935	9,657	52,702	6,148	17,049
Kansas	1,088,520	73,222	13,684	46,591	4,085	15,627
Kentucky	198,911	8,656	7,725	50,814	9,554	19,146
Louisiana	183,269	6,477	28,711	58,845	26,634	21,806
Maine	14,313	0	2,459	19,873	3,493	27,034
Maryland	38,107	238	19,063	158,787	10,756	105,100
Massachusetts	5,825	0	46,020	118,982	29,368	221,077
Michigan	277,918	8,670	58,350	194,462	15,371	73,148
Minnesota	936,724	149,056	48,579	152,476	7,135	50,688
Mississippi	180,745	6,506	35,536	25,713	9,340	6,695
Missouri	508,984	42,853	32,324	100,695	10,914	33,957
Montana	325,625	590	2,540	14,975	3,773	8,658
Nebraska	875,106	397,540	10,848	34,533	3,325	10,495
Nevada	113,982	10	8,051	84,119	6,291	60,235
New Hampshire	342	0	5,033	29,254	3,383	42,439
New Jersey	6,930	0	114,795	164,053	73,450	236,804
New Mexico	209,876	2,210	6,415	30,499	3,236	14,685
New York	86,755	231	191,044	207,369	92,949	384,703
North Carolina	345,942	3,978	30,850	187,164	28,292	111,745
North Dakota	1,265,494	124,610	1,302	16,056	1,073	3,503
Ohio	337,040	21,874	55,121	190,384	22,161	92,859
Oklahoma	300,756	9,813	16,788	50,392	6,060	14,124
Oregon	169,249	2,801	9,813	88,101	9,627	74,791
Pennsylvania	72,343	1,503	39,262	199,687	32,775	199,653
Rhode Island	165	0	59,887	18,029	4,785	22,490
South Carolina	131,042	278	13,286	91,911	39,773	48,449
South Dakota	986,763	74,430	2,500	13,901	1,222	2,710
Tennessee	111,637	3,406	21,310	108,900	16,070	47,881
Texas	1,728,828	45,998	157,452	549,247	123,132	242,184
Utah	51,018	104	10,320	81,325	4,957	28,325
Vermont	4,162	2	1,507	10,743	1,688	15,079
Virginia	95,441	1,622	43,679	165,723	20,123	142,509
Washington	397,227	11,795	9,041	179,657	16,212	187,909
West Virginia	4,501	3	2,172	17,714	5,391	7,637
Wisconsin	358,151	20,059	15,245	108,455	10,708	49,304
Wyoming	59,510	1,713	463	8,592	1,096	3,556
United States	$16,525,817	$1,479,000	$1,788,048	$5,815,395	$1,232,854	$4,590,772

(1) Includes some state funds. Source: NAIC data, sourced from S&P Global Market Intelligence, �Ӱ�ԭ�� Information Institute.

State	Direct premiums written	Percent of total U.S. surplus lines market	State	Direct premiums written	Percent of total U.S. surplus lines market
Alaska	$197,367	0.2%	Montana	$230,865	0.3%
Alabama	1,210,654	1.4	North Carolina	1,459,339	1.7
Arkansas	515,643	0.6	North Dakota	151,558	0.2
Arizona	1,252,224	1.4	Nebraska	378,292	0.4
California	15,337,177	17.7	New Hampshire	174,694	0.2
Colorado	1,670,037	1.9	New Jersey	2,498,109	2.9
Connecticut	856,647	1.0	New Mexico	267,598	0.3
Delaware	291,471	0.3	Nevada	668,790	0.8
D.C.	406,041	0.5	New York	6,523,281	7.5
Florida	11,545,155	13.3	Ohio	1,477,426	1.7
Georgia	2,351,205	2.7	Oklahoma	774,773	0.9
Hawaii	421,938	0.5	Oregon	731,888	0.8
Iowa	568,170	0.7	Pennsylvania	2,187,699	2.5
Idaho	259,548	0.3	Rhode Island	264,048	0.3
Illinois	2,825,081	3.3	South Carolina	1,361,073	1.6
Indiana	1,099,822	1.3	South Dakota	101,777	0.1
Kansas	435,000	0.5	Tennessee	1,233,112	1.4
Kentucky	462,554	0.5	Texas	10,423,630	12.0
Louisiana	2,289,273	2.6	Utah	622,840	0.7
Massachusetts	1,849,799	2.1	Virginia	1,304,468	1.5
Maryland	870,355	1.0	Vermont	118,514	0.1
Maine	163,803	0.2	Washington	1,815,299	2.1
Michigan	1,090,314	1.3	Wisconsin	712,604	0.8
Minnesota	880,073	1.0	West Virginia	176,949	0.2
Missouri	1,183,108	1.4	Wyoming	116,307	0.1
Mississippi	724,402	0.8

(1) Excludes Lloyd's of London and territories. Source: NAIC data, sourced from S&P Global Market Intelligence, �Ӱ�ԭ�� Information Institute.

State	2019	2020	As a percent of 2020 total GSP
Alabama	$4,843	$5,445	2.40%
Alaska	388	348	0.70
Arizona	8,997	10,602	2.84
Arkansas	2,756	3,214	2.46
California	42,431	42,662	1.42
Colorado	7,517	9,287	2.43
Connecticut	21,972	21,702	7.85
Delaware	6,022	5,306	7.00
D.C.	1,811	2,082	1.44
Florida	34,112	38,191	3.45
Georgia	14,026	15,093	2.42
Hawaii	1,766	1,976	2.38
Idaho	1,475	1,627	1.94
Illinois	44,775	42,497	4.95
Indiana	15,479	14,269	3.80
Iowa	18,062	20,797	10.71
Kansas	4,651	5,457	3.12
Kentucky	6,188	7,245	3.41
Louisiana	5,694	6,644	2.82
Maine	2,308	2,677	3.87
Maryland	10,473	9,895	2.41
Massachusetts	17,299	20,605	3.54
Michigan	14,383	13,631	2.65
Minnesota	14,459	15,081	4.04
Mississippi	2,293	2,558	2.25
Missouri	10,262	10,669	3.24
Montana	863	910	1.77
Nebraska	11,017	12,668	9.49
Nevada	4,184	5,004	2.93
New Hampshire	4,230	3,859	4.40
New Jersey	17,878	19,523	3.16
New Mexico	1,743	2,064	2.10
New York	62,132	73,601	4.27
North Carolina	11,546	11,776	2.00
North Dakota	1,249	1,281	2.34
Ohio	31,245	29,975	4.42
Oklahoma	3,333	3,319	1.77
Oregon	5,285	5,789	2.37
Pennsylvania	28,526	27,545	3.57
Rhode Island	3,113	3,143	5.19
South Carolina	5,369	6,029	2.46
South Dakota	1,329	1,393	2.54
Tennessee	10,116	12,048	3.26
Texas	43,917	44,552	2.51
Utah	3,806	4,429	2.24
Vermont	1,090	1,085	3.25
Virginia	9,238	10,423	1.90
Washington	8,642	10,297	1.70
West Virginia	1,467	1,656	2.18
Wisconsin	18,376	17,996	5.33
Wyoming	348	379	1.04
United States	$604,481	$640,299	3.06%

Note: Last updated: October 1, 2021. Source: U.S. Department of Commerce, Bureau of Economic Analysis.

State	Amount	State	Amount
Alabama	$563,244	Montana	$163,891
Alaska	63,446	Nebraska	87,723
Arizona	811,228	Nevada	546,898
Arkansas	374,949	New Hampshire	154,258
California	3,690,456	New Jersey	723,894
Colorado	533,490	New Mexico	388,600
Connecticut	254,304	New York	2,456,791
Delaware	145,896	North Carolina	1,169,639
D.C.	161,039	North Dakota	80,032
Florida	1,993,432	Ohio	767,006
Georgia	527,642	Oklahoma	333,261
Hawaii	210,527	Oregon	80,039
Idaho	139,362	Pennsylvania	939,974
Illinois	547,184	Rhode Island	154,474
Indiana	268,114	South Carolina	337,845
Iowa	173,028	South Dakota	105,088
Kansas	503,133	Tennessee	1,274,120
Kentucky	212,229	Texas	4,064,627
Louisiana	1,229,146	Utah	202,989
Maine	133,032	Vermont	72,313
Maryland	856,566	Virginia	733,514
Massachusetts	613,510	Washington	847,086
Michigan	471,261	West Virginia	187,006
Minnesota	752,517	Wisconsin	251,916
Mississippi	436,639	Wyoming	33,024
Missouri	516,480	United States	$32,337,862

(1) Includes other insurance companies. Data are for each state's fiscal year. Source: U.S. Department of Commerce, Bureau of the Census.

State	Property/casualty	Life/annuities	State	Property/casualty	Life/annuities
Alabama	19	8	Montana	14	2
Alaska	4	0	Nebraska	51	32
Arizona	53	30	Nevada	11	0
Arkansas	13	17	New Hampshire	47	0
California	90	16	New Jersey	64	3
Colorado	10	15	New Mexico	20	0
Connecticut	64	26	New York	165	78
Delaware	102	26	North Carolina	55	11
D.C	5	0	North Dakota	14	3
Florida	110	10	Ohio	148	40
Georgia	22	14	Oklahoma	36	23
Hawaii	15	4	Oregon	16	2
Idaho	10	1	Pennsylvania	140	20
Illinois	197	49	Rhode Island	20	1
Indiana	58	24	South Carolina	20	6
Iowa	73	34	South Dakota	16	2
Kansas	21	11	Tennessee	29	16
Kentucky	9	8	Texas	212	124
Louisiana	33	27	Utah	12	16
Maine	11	3	Vermont	11	1
Maryland	19	4	Virginia	19	2
Massachusetts	47	16	Washington	5	5
Michigan	64	20	West Virginia	22	1
Minnesota	39	8	Wisconsin	153	18
Mississippi	17	12	Wyoming	2	0
Missouri	49	28	United States (1)	2,456	817

(1) Excludes territories. Excludes health insurers, risk retention groups, fraternals, title and other insurers. Source: 2022 �Ӱ�ԭ�� Department Resources Report, published by the National Association of �Ӱ�ԭ�� Commissioners (NAIC). Reprinted with permission. Further reprint or redistribution strictly prohibited without written permission of NAIC.

State	Domestic insurers (1)	Licensed out-of-state insurers (2)	Chartered self-insured groups or pools	Chartered purchasing groups	All companies doing business in state
Alabama	49	1,498	0	11	1,558
Alaska	6	1,137	0	0	1,143
Arizona	135	1,616	25	26	1,802
Arkansas	55	1,518	0	1	1,574
California	131	1,280	0	43	1,454
Colorado	50	1,504	9	41	1,604
Connecticut	102	1,271	0	35	1,408
Delaware	139	1,385	0	116	1,640
D.C.	47	1,355	0	15	1,417
Florida	437	1,651	14	48	2,150
Georgia	71	1,629	36	0	1,736
Hawaii	45	1,116	10	3	1,174
Idaho	19	1,376	17	2	1,414
Illinois	340	1,416	12	163	1,931
Indiana	134	1,665	22	20	1,841
Iowa	207	1,419	3	0	1,629
Kansas	45	1,541	17	13	1,616
Kentucky	52	1,563	10	0	1,625
Louisiana	104	1,501	23	2	1,630
Maine	22	1,197	18	1	1,238
Maryland	56	1,513	5	12	1,586
Massachusetts	78	1,386	21	4	1,489
Michigan	125	1,413	16	11	1,565
Minnesota	145	1,405	20	22	1,592
Mississippi	45	1,536	0	3	1,584
Missouri	181	1,546	12	10	1,749
Montana	34	1,412	0	4	1,450
Nebraska	114	1,473	6	5	1,598
Nevada	39	1,567	8	5	1,619
New Hampshire	60	1,237	0	0	1,297
New Jersey	119	1,356	51	22	1,548
New Mexico	32	2,604	0	0	2,636
New York	555	1,179	8	86	1,828
North Carolina	96	1,509	3	5	1,613
North Dakota	29	1,377	10	2	1,418
Ohio	258	1,539	0	25	1,822
Oklahoma	83	1,741	4	5	1,833
Oregon	44	1,453	0	5	1,502
Pennsylvania	238	1,596	13	33	1,880
Rhode Island	29	1,335	1	24	1,389
South Carolina	84	1,558	0	11	1,653
South Dakota	38	1,417	0	0	1,455
Tennessee	70	1,623	3	8	1,704
Texas	406	1,614	2	48	2,070
Utah	112	1,812	0	12	1,936
Vermont	109	1,197	0	9	1,315
Virginia	67	1,575	14	13	1,669
Washington	37	1,438	0	9	1,484
West Virginia	32	1,412	1	2	1,447
Wisconsin	333	1,668	0	7	2,008
Wyoming	4	1,435	1	1	1,441
Total U.S. (3)	5,929	(4)	415	943	7,287

(1) Insurers that are domiciled in the state. Includes property/casualty, life/annuities, health, fraternal, title, risk retention groups and "other". (2) This category is comprised of insurers designated by the NAIC as "foreign insurers"—i.e., insurers whose state of domicile is other than the state in which it is writing business. There is no U.S. total in this column to avoid double counting—i.e., insurers are only included in the figures for states in which they are domiciled. (3) Totals include U.S. territories and possessions. (4) No totals shown, so as to avoid double counting. Totals reflect insurers physically located in the state. Source: �Ӱ�ԭ�� Department Resources Report, 2020, published by the National Association of �Ӱ�ԭ�� Commissioners (NAIC). Reprinted with permission. Further reprint or redistribution strictly prohibited without written permission of NAIC.

State	Tornadoes	Fatalities	Rank (2)	State	Tornadoes	Fatalities	Rank (2)
Alabama	79	1	12	Montana	4	0	35
Alaska	0	0	(3)	Nebraska	131	0	2
Arizona	6	0	32	Nevada	0	0	46
Arkansas	44	5	16	New Hampshire	2	0	38
California	6	0	32	New Jersey	1	0	39
Colorado	31	0	23	New Mexico	11	0	30
Connecticut	1	0	39	New York	32	1	21
Delaware	1	0	39	North Carolina	37	2	19
D.C.	0	0	(3)	North Dakota	18	0	27
Florida	103	8	6	Ohio	82	3	10
Georgia	33	2	20	Oklahoma	91	8	8
Hawaii	0	0	(3)	Oregon	3	0	36
Idaho	1	0	39	Pennsylvania	32	0	21
Illinois	126	0	4	Rhode Island	1	0	39
Indiana	61	1	13	South Carolina	48	0	15
Iowa	131	6	3	South Dakota	11	0	30
Kansas	89	1	9	Tennessee	23	1	24
Kentucky	57	1	14	Texas	169	9	1
Louisiana	92	3	7	Utah	3	0	36
Maine	0	0	46	Vermont	0	0	46
Maryland	16	0	28	Virginia	14	0	29
Massachusetts	1	0	39	Washington	1	0	39
Michigan	23	1	24	West Virginia	21	0	26
Minnesota	41	0	18	Wisconsin	42	0	17
Mississippi	81	0	11	Wyoming	5	0	34
Missouri	105	1	5	United States (4)	1,910	54

(1) Numbers include preliminary estimates as of January 2025. Ranked by total number of tornadoes. (2) States with the same number of tornadoes receive the same ranking. (3) State had no tornadoes in 2024. (4) The U.S. total will not match data used in other charts because it counts tornadoes that cross state lines. Source: U.S. Department of Commerce, Storm Prediction Center, National Weather Service.

State	Number of fires	Number of acres burned
Alabama	1,856	18,335
Alaska	346	314,276
Arizona	1,837	188,483
Arkansas	147	5,659
California	7,364	332,722
Colorado	861	41,917
Connecticut	499	297
Delaware	1	0
District of Columbia	0	0
Florida	2,730	99,642
Georgia	2,386	10,330
Hawaii	214	12,059
Idaho	892	87,801
Illinois	22	111
Indiana	47	521
Iowa	6	6
Kansas	49	17,963
Kentucky	9	70
Louisiana	1,467	22,103
Maine	493	325
Maryland	196	4,486
Massachusetts	1,079	1,468
Michigan	466	4,287
Minnesota	836	9,416
Mississippi	2,383	52,508
Missouri	127	9,499
Montana	1,662	123,133
Nebraska	569	180,733
Nevada	375	1,300
New Hampshire	52	58
New Jersey	1,194	18,033
New Mexico	1,019	212,378
New York	150	1,383
North Carolina	5,214	73,953
North Dakota	471	4,183
Ohio	883	2,469
Oklahoma	1,580	162,489
Oregon	1,979	202,035
Pennsylvania	1,910	9,628
Puerto Rico	0	0
Rhode Island	78	582
South Carolina	22	591
South Dakota	177	945
Tennessee	772	15,394
Texas	7,102	210,264
Utah	782	18,109
Vermont	67	62
Virginia	43	12,085
Washington	1,707	151,316
West Virginia	1,124	45,679
Wisconsin	1,086	4,883
Wyoming	249	7,934
United States (1)	56,580	2,693,910

(1) Includes Puerto Rico. Totals for the United States do not match totals shown elsewhere by the National Interagency Fire Center due to the use of different exhibits. Source: National Interagency Fire Center.

	Number of policies
State	Habitational	Commercial	Total	Exposure (2) ($000)	Direct premiums written ($000)
California	311,456	9,136	320,592	$278,388,720	$867,783
Connecticut	1,284	47	1,331	269,989	1,654
Delaware	1,087	60	1,147	213,763	536
D.C.	115	11	126	51,640	131
Florida (3)	1,528,517	13,799	1,542,316	552,759,992	5,070,988
Georgia	8,558	549	9,107	1,754,733	13,951
Hawaii (4)	1,995	N/A	1,995	742,893	4,639
Illinois	1,755	51	1,806	296,551	3,504
Indiana	692	26	718	117,452	1,940
Iowa	955	15	970	59,776	898
Kansas	11,666	164	11,830	809,587	7,343
Kentucky	4,373	189	4,562	205,055	2,474
Louisiana (3)	172,994	11,175	184,169	46,072,483	618,060
Maryland	622	44	666	247,301	658
Massachusetts	194,378	193	194,571	98,009,485	339,568
Michigan	15,532	259	15,791	2,354,177	11,815
Minnesota	3,690	83	3,773	450,491	3,621
Mississippi (4)	2,501	0	2,501	149,625	1,864
Missouri	2,001	98	2,099	178,261	2,069
New Jersey	7,074	168	7,242	1,101,744	5,050
New Mexico	6,354	224	6,578	921,574	5,462
New York	19,376	1,311	20,687	7,447,000	28,314
North Carolina	219,770	8,028	227,798	43,561,755	206,262
Ohio	11,313	268	11,581	4,213,138	13,246
Oregon	1,923	108	2,031	502,312	1,960
Pennsylvania	8,946	816	9,762	1,111,612	4,709
Rhode Island	13,424	105	13,529	5,151,569	27,144
Texas (4)	79,401	0	79,401	16,275,783	113,460
Virginia	21,248	458	21,706	3,989,731	17,342
Washington	187	61	248	100,908	512
West Virginia	235	33	268	21,780	195
Wisconsin	4,035	114	4,149	551,664	2,825
Total	2,657,457	47,593	2,705,050	$1,068,082,544	$7,379,977

(1) Excludes the FAIR Plans of Arkansas. (2) Exposure is the estimate of the aggregate value of all insurance in force in all FAIR Plans in all lines (except liability, where applicable, and crime) for 12 months ending September through December.
(3) Citizens Property �Ӱ�ԭ�� Corporation, which combined the FAIR and Beach Plans. (4) The Hawaii, Mississippi and Texas FAIR Plans do not offer a commercial policy.

Source: Property �Ӱ�ԭ�� Plans Service Office (PIPSO).

State	Incurred losses	State	Incurred losses
Alabama	$7,646,925	Montana	$2,251,015
Alaska	982,679	Nebraska	6,470,255
Arizona	11,103,246	Nevada	6,761,378
Arkansas	5,995,163	New Hampshire	1,839,651
California	73,244,478	New Jersey	19,336,041
Colorado	13,437,306	New Mexico	3,896,254
Connecticut	7,557,465	New York	43,283,415
D.C.	1,378,417	North Carolina	16,933,976
Delaware	2,266,837	North Dakota	1,784,108
Florida	58,181,106	Ohio	14,310,018
Georgia	26,629,633	Oklahoma	7,593,305
Hawaii	1,790,660	Oregon	7,003,045
Idaho	2,852,211	Pennsylvania	20,196,218
Illinois	23,745,637	Rhode Island	1,895,837
Indiana	10,549,797	South Carolina	11,627,177
Iowa	5,755,463	South Dakota	2,018,979
Kansas	6,442,395	Tennessee	10,812,404
Kentucky	6,267,706	Texas	64,466,132
Louisiana	8,990,404	Utah	4,949,464
Maine	1,716,510	Vermont	894,167
Maryland	9,909,325	Virginia	11,924,451
Massachusetts	10,959,535	Washington	13,761,822
Michigan	16,286,177	West Virginia	2,091,195
Minnesota	10,688,720	Wisconsin	8,904,031
Mississippi	4,196,365	Wyoming	924,508
Missouri	12,548,078	United States	$627,051,084

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance. Source: NAIC data, sourced from S&P Global Market Intelligence, �Ӱ�ԭ�� Information Institute.

State	Incurred losses	State	Incurred losses
Alaska	$308,139	Montana	$588,968
Alabama	2,258,109	Nebraska	911,323
Arizona	3,552,668	Nevada	1,798,167
Arkansas	1,278,682	New Hampshire	534,065
California	19,828,210	New Jersey	5,127,131
Colorado	3,611,420	New Mexico	933,190
Connecticut	2,025,687	New York	9,742,081
Delaware	658,301	North Carolina	4,416,542
D.C.	247,225	North Dakota	341,128
Florida	14,573,433	Ohio	4,138,688
Georgia	6,545,121	Oklahoma	1,624,033
Hawaii	491,485	Oregon	1,898,564
Idaho	635,120	Pennsylvania	5,987,024
Illinois	4,960,261	Rhode Island	644,406
Indiana	2,426,160	South Carolina	2,895,281
Iowa	1,133,148	South Dakota	366,509
Kansas	1,241,349	Tennessee	2,756,583
Kentucky	2,034,506	Texas	14,857,798
Louisiana	3,017,890	Utah	1,447,401
Maine	475,688	Vermont	220,562
Maryland	3,516,122	Virginia	3,823,270
Massachusetts	3,428,912	Washington	3,587,146
Michigan	5,871,429	West Virginia	773,648
Minnesota	2,517,671	Wisconsin	2,044,770
Mississippi	1,273,691	Wyoming	323,346
Missouri	2,687,254	United States	$162,379,305

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance. Source: NAIC data, sourced from S&P Global Market Intelligence, �Ӱ�ԭ�� Information Institute.

State	Incurred losses	State	Incurred losses
Alabama	$911,785	Montana	$138,443
Alaska	78,263	Nebraska	831,422
Arizona	758,282	Nevada	310,490
Arkansas	450,791	New Hampshire	167,682
California	15,537,312	New Jersey	1,027,437
Colorado	1,847,521	New Mexico	399,164
Connecticut	530,780	New York	2,255,396
Delaware	101,998	North Carolina	1,239,572
D.C.	74,814	North Dakota	66,665
Florida	8,338,668	Ohio	1,382,572
Georgia	2,281,253	Oklahoma	733,822
Hawaii	124,226	Oregon	556,768
Idaho	256,968	Pennsylvania	1,450,507
Illinois	2,872,152	Rhode Island	156,012
Indiana	1,084,975	South Carolina	721,977
Iowa	656,054	South Dakota	186,924
Kansas	639,267	Tennessee	1,057,190
Kentucky	600,526	Texas	6,923,450
Louisiana	616,808	Utah	285,032
Maine	197,973	Vermont	91,470
Maryland	903,136	Virginia	1,294,734
Massachusetts	738,068	Washington	936,217
Michigan	1,477,520	West Virginia	191,015
Minnesota	1,855,159	Wisconsin	821,867
Mississippi	453,816	Wyoming	134,152
Missouri	1,323,972	United States	$68,072,066

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance. Source: NAIC data, sourced from S&P Global Market Intelligence, �Ӱ�ԭ�� Information Institute.

State	Incurred losses	State	Incurred losses
Alabama	$1,793,587	Montana	$919,776
Alaska	356,189	Nebraska	1,708,365
Arizona	2,327,020	Nevada	1,672,253
Arkansas	1,600,472	New Hampshire	468,357
California	21,356,376	New Jersey	6,785,945
Colorado	3,103,153	New Mexico	889,278
Connecticut	2,220,881	New York	15,514,275
Delaware	688,956	North Carolina	3,702,391
D.C.	378,394	North Dakota	1,273,448
Florida	14,534,813	Ohio	4,238,179
Georgia	5,610,805	Oklahoma	1,893,782
Hawaii	584,652	Oregon	1,868,227
Idaho	850,249	Pennsylvania	7,314,696
Illinois	8,527,029	Rhode Island	525,819
Indiana	2,861,556	South Carolina	2,250,933
Iowa	1,879,763	South Dakota	1,591,974
Kansas	1,784,301	Tennessee	2,336,953
Kentucky	1,875,461	Texas	17,492,038
Louisiana	2,971,976	Utah	1,123,346
Maine	566,361	Vermont	328,064
Maryland	2,789,339	Virginia	2,822,991
Massachusetts	3,638,401	Washington	2,946,766
Michigan	3,848,514	West Virginia	644,046
Minnesota	3,862,174	Wisconsin	3,185,911
Mississippi	1,262,239	Wyoming	351,323
Missouri	3,507,667	United States	$178,629,467

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance. Source: NAIC data, sourced from S&P Global Market Intelligence, �Ӱ�ԭ�� Information Institute.

State	Incurred losses	State	Incurred losses
Alabama	$143,564	Montana	$154,455
Alaska	69,449	Nebraska	190,479
Arizona	411,633	Nevada	186,877
Arkansas	113,937	New Hampshire	75,221
California	4,631,636	New Jersey	1,327,417
Colorado	481,069	New Mexico	132,515
Connecticut	361,742	New York	1,381,092
Delaware	47,974	North Carolina	519,760
D.C.	75,748	North Dakota	110
Florida	1,546,007	Ohio	11,753
Georgia	746,776	Oklahoma	182,901
Hawaii	151,164	Oregon	394,994
Idaho	314,351	Pennsylvania	1,470,850
Illinois	1,078,842	Rhode Island	125,915
Indiana	354,699	South Carolina	404,220
Iowa	365,676	South Dakota	88,499
Kansas	217,942	Tennessee	297,401
Kentucky	353,353	Texas	922,526
Louisiana	397,280	Utah	208,654
Maine	148,236	Vermont	107,798
Maryland	441,939	Virginia	508,363
Massachusetts	756,459	Washington	-14,301
Michigan	323,267	West Virginia	99,646
Minnesota	504,421	Wisconsin	1,068,062
Mississippi	159,864	Wyoming	-205
Missouri	509,373	United States	$24,551,401

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance. Source: NAIC data, sourced from S&P Global Market Intelligence, �Ӱ�ԭ�� Information Institute.

State	Incurred losses	State	Incurred losses
Alabama	$6,346,204	Montana	$1,251,800
Alaska	1,209,744	Nebraska	4,147,955
Arizona	10,731,228	Nevada	3,700,350
Arkansas	3,455,412	New Hampshire	3,041,513
California	54,149,695	New Jersey	23,448,834
Colorado	9,135,183	New Mexico	2,320,059
Connecticut	20,431,775	New York	46,376,639
Delaware	11,815,090	North Carolina	15,544,519
D.C.	2,297,225	North Dakota	1,262,696
Florida	40,497,609	Ohio	21,500,084
Georgia	15,920,046	Oklahoma	4,395,394
Hawaii	2,699,710	Oregon	6,152,166
Idaho	2,181,859	Pennsylvania	28,324,239
Illinois	21,548,170	Rhode Island	2,122,265
Indiana	10,924,080	South Carolina	7,353,026
Iowa	10,236,743	South Dakota	1,461,123
Kansas	4,800,137	Tennessee	10,303,027
Kentucky	6,447,731	Texas	33,996,071
Louisiana	6,846,844	Utah	4,765,669
Maine	2,307,339	Vermont	1,231,078
Maryland	10,586,801	Virginia	13,333,591
Massachusetts	19,845,463	Washington	10,668,287
Michigan	19,620,725	West Virginia	2,421,391
Minnesota	14,140,167	Wisconsin	11,207,735
Mississippi	3,222,378	Wyoming	824,487
Missouri	12,813,454	United States	$585,364,809

(1) On a direct basis before reinsurance. Includes life insurance, death benefits, matured endowments, annuity benefits, and other life insurance benefits. Does not include accident and health benefits. Source: NAIC data, sourced from S&P Global Market Intelligence, �Ӱ�ԭ�� Information Institute.

State	Percent	Rank (1)	State	Percent	Rank (1)
Alabama	70.1%	14	Montana	69.2%	19
Alaska	66.3	32	Nebraska	66.3	32
Arizona	67.7	27	Nevada	60.4	48
Arkansas	66.2	35	New Hampshire	72.4	7
California	55.9	49	New Jersey	63.7	41
Colorado	65.7	37	New Mexico	69.3	18
Connecticut	65.7	37	New York	54.1	50
Delaware	73.6	3	North Carolina	66.3	32
D.C.	39.1	51	North Dakota	63.7	41
Florida	68.1	22	Ohio	67.1	30
Georgia	66.1	36	Oklahoma	65.1	39
Hawaii	62.4	46	Oregon	63.4	44
Idaho	72.5	6	Pennsylvania	69.5	16
Illinois	67.4	28	Rhode Island	64.0	40
Indiana	70.4	13	South Carolina	72.4	7
Iowa	71.8	10	South Dakota	69.4	17
Kansas	66.7	31	Tennessee	67.3	29
Kentucky	68.8	20	Texas	62.6	45
Louisiana	68.1	22	Utah	70.1	14
Maine	74.4	1	Vermont	73.2	5
Maryland	67.9	24	Virginia	67.8	26
Massachusetts	62.3	47	Washington	63.7	41
Michigan	73.7	2	West Virginia	73.5	4
Minnesota	72.0	9	Wisconsin	67.9	24
Mississippi	71.1	12	Wyoming	71.2	11
Missouri	68.8	20	United States	65.2%

(1) States with the same percentages receive the same rank. Source: U.S. Department of Commerce, Census Bureau; American Community Survey.

State	Number of establishments	Employment	Annual payroll ($000)
Alabama	81,238	802,607	$37,098,846
Alaska	18,568	133,542	7,917,411
Arizona	124,948	1,112,573	56,229,537
Arkansas	55,360	488,761	20,582,840
California	866,596	6,984,850	469,638,082
Colorado	152,739	1,147,398	65,636,914
Connecticut	72,556	678,339	42,162,832
Delaware	23,342	201,082	11,822,839
District of Columbia	18,553	233,078	21,238,970
Florida	525,313	3,627,360	178,197,340
Georgia	206,737	1,738,386	86,935,350
Hawaii	27,240	237,707	11,889,117
Idaho	47,818	365,278	15,712,464
Illinois	268,603	2,297,858	137,662,082
Indiana	119,043	1,211,410	55,927,078
Iowa	68,844	616,917	28,679,446
Kansas	61,257	583,244	26,976,631
Kentucky	71,363	685,426	29,966,073
Louisiana	88,205	867,762	40,869,108
Maine	36,803	275,484	13,302,601
Maryland	116,134	1,108,477	66,785,297
Massachusetts	150,499	1,395,629	100,696,145
Michigan	185,683	1,786,708	91,781,014
Minnesota	127,792	1,191,917	63,503,579
Mississippi	47,219	430,256	16,913,525
Missouri	123,065	1,111,927	52,260,634
Montana	36,266	250,638	10,973,498
Nebraska	46,983	414,068	19,100,783
Nevada	60,182	524,247	26,473,996
New Hampshire	32,162	294,022	16,998,712
New Jersey	199,922	1,729,162	104,530,252
New Mexico	35,535	322,131	14,387,092
New York	471,755	3,650,553	244,310,569
North Carolina	200,691	1,724,657	80,485,366
North Dakota	21,120	189,834	9,581,144
Ohio	199,219	2,090,411	100,860,582
Oklahoma	78,051	695,957	30,604,887
Oregon	104,022	843,267	43,312,954
Pennsylvania	246,799	2,395,971	123,939,749
Rhode Island	24,625	211,008	11,304,840
South Carolina	93,441	822,949	36,171,085
South Dakota	24,300	207,825	9,092,494
Tennessee	110,847	1,126,869	55,047,374
Texas	515,084	4,851,486	255,318,237
Utah	77,905	654,553	32,541,091
Vermont	18,200	147,457	7,464,192
Virginia	166,419	1,536,230	87,836,113
Washington	170,045	1,364,128	82,762,610
West Virginia	27,069	248,030	10,072,390
Wisconsin	116,812	1,212,423	58,848,761
Wyoming	19,693	129,426	6,277,560
United States	6,782,665	58,951,278	$3,228,682,086

(1)Number of establishments with less than 500 employees. Including the District of Columbia. Source: U.S. Census.

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