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, Insurance Information Institute.

State	Number of employees	State	Number of employees
Alabama	35,570	Montana	7,520
Alaska	1,953	Nebraska	28,145
Arizona	73,616	Nevada	20,175
Arkansas	19,584	New Hampshire	13,479
California	242,214	New Jersey	87,774
Colorado	51,275	New Mexico	11,851
Connecticut	59,402	New York	161,438
Delaware	7,057	North Carolina	85,927
D.C.	3,804	North Dakota	7,706
Florida	232,429	Ohio	128,500
Georgia	109,348	Oklahoma	24,692
Hawaii	7,403	Oregon	27,938
Idaho	13,853	Pennsylvania	139,442
Illinois	138,230	Rhode Island	11,642
Indiana	57,497	South Carolina	40,154
Iowa	52,254	South Dakota	8,505
Kansas	30,367	Tennessee	60,516
Kentucky	37,305	Texas	279,717
Louisiana	29,011	Utah	25,631
Maine	12,403	Vermont	4,206
Maryland	37,042	Virginia	64,293
Massachusetts	74,102	Washington	47,285
Michigan	73,388	West Virginia	9,731
Minnesota	66,573	Wisconsin	76,198
Mississippi	14,100	Wyoming	2,840
Missouri	64,915	United States	2,920,000

(1) Total full-time and part-time employment. Note: Does not match data shown elsewhere due to the use of different surveys. Data as of September 2023. Source: U.S. Department of Commerce, Bureau of Economic Analysis, Regional Economic Information System.

	Annual payroll			Annual payroll
State	2018	2019	State	2018	2019
Alabama	$2,953,054	$3,041,209	Montana	$521,142	$556,493
Alaska	180,978	184,126	Nebraska	2,627,388	2,751,817
Arizona	5,505,373	6,187,208	Nevada	1,401,568	1,485,499
Arkansas	1,324,728	1,416,992	New Hampshire	1,408,296	1,476,467
California	28,177,592	29,078,238	New Jersey	12,479,454	12,908,423
Colorado	4,730,097	5,115,316	New Mexico	821,742	898,693
Connecticut	9,940,104	9,739,181	New York	21,991,902	22,450,028
Delaware	668,549	691,912	North Carolina	6,830,276	7,412,835
District of Columbia	752,970	765,156	North Dakota	631,058	648,395
Florida	18,392,331	19,318,084	Ohio	11,865,289	12,118,535
Georgia	9,212,675	9,839,687	Oklahoma	1,877,754	1,920,143
Hawaii	751,837	776,250	Oregon	2,707,920	2,823,215
Idaho	850,910	908,981	Pennsylvania	14,226,568	14,790,357
Illinois	15,715,046	16,692,962	Rhode Island	1,061,854	1,111,774
Indiana	4,828,391	5,083,382	South Carolina	2,870,402	2,973,084
Iowa	4,851,108	5,122,139	South Dakota	666,160	690,633
Kansas	2,758,009	2,845,974	Tennessee	5,439,930	5,640,466
Kentucky	3,543,836	3,604,422	Texas	22,458,499	24,204,813
Louisiana	2,390,246	2,392,003	Utah	1,959,684	2,051,308
Maine	1,135,830	1,167,429	Vermont	429,048	447,058
Maryland	4,365,363	4,437,869	Virginia	5,833,315	6,118,664
Massachusetts	9,622,191	10,079,860	Washington	4,753,115	5,005,754
Michigan	6,141,718	6,562,282	West Virginia	655,434	672,581
Minnesota	8,005,827	8,457,170	Wisconsin	6,506,231	6,887,373
Mississippi	997,871	1,049,658	Wyoming	179,237	185,838
Missouri	5,565,100	6,052,264	United States	$285,565,000	$298,840,000

Source: Regional Economic Information System, Bureau of Economic Analysis, U.S. Department of Commerce.

State	Total, all lines	State	Total, all lines
Alabama	$13,146,853	Montana	$3,807,820
Alaska	1,994,750	Nebraska	7,573,101
Arizona	17,959,495	Nevada	8,561,822
Arkansas	7,931,849	New Hampshire	3,342,091
California	111,243,502	New Jersey	29,106,640
Colorado	20,582,327	New Mexico	5,038,116
Connecticut	11,508,412	New York	61,861,773
D.C.	2,699,081	North Carolina	24,036,512
Delaware	3,842,583	North Dakota	3,826,625
Florida	88,067,510	Ohio	23,397,453
Georgia	32,039,933	Oklahoma	11,325,023
Hawaii	3,490,752	Oregon	10,510,197
Idaho	4,757,044	Pennsylvania	32,532,786
Illinois	35,938,656	Rhode Island	3,361,749
Indiana	16,321,562	South Carolina	15,078,257
Iowa	9,843,752	South Dakota	3,970,217
Kansas	9,565,831	Tennessee	17,442,243
Kentucky	10,147,626	Texas	92,331,270
Louisiana	16,226,096	Utah	8,100,467
Maine	3,316,037	Vermont	1,640,326
Maryland	16,186,978	Virginia	20,316,519
Massachusetts	21,453,245	Washington	18,109,893
Michigan	24,427,664	West Virginia	3,643,445
Minnesota	17,081,121	Wisconsin	14,623,479
Mississippi	7,505,441	Wyoming	1,820,520
Missouri	17,261,874	United States	$949,898,320

(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, Insurance Information Institute.

State	Life insurance	Annuities	Accident and Health insurance (2)	Deposit-type contract funds	Other considerations	Total
Alabama	$2,629	$5,042	$2,534	$271	$434	$10,910
Alaska	636	521	310	30	266	1,763
Arizona	3,225	11,202	4,502	454	1,491	20,874
Arkansas	1,313	2,388	1,243	121	234	5,300
California	21,112	43,231	16,369	2,776	7,959	91,446
Colorado	3,319	6,713	4,801	10,202	1,215	26,250
Connecticut	2,686	7,889	4,408	10,321	1,478	26,782
Delaware	1,756	4,649	958	66,597	698	74,658
D.C.	469	815	1,108	818	266	3,475
Florida	12,604	35,530	17,361	1,518	2,280	69,292
Georgia	5,980	10,125	8,305	2,211	1,449	28,070
Hawaii	954	2,231	813	66	276	4,340
Idaho	794	1,797	714	100	291	3,696
Illinois	7,802	15,889	9,112	8,763	2,659	44,225
Indiana	3,547	8,513	4,585	2,939	791	20,375
Iowa	2,112	4,829	1,609	6,445	3,833	18,828
Kansas	1,592	3,672	4,096	1,290	278	10,927
Kentucky	1,899	4,497	1,994	368	579	9,337
Louisiana	2,696	5,931	2,707	280	735	12,350
Maine	516	1,896	1,162	60	160	3,795
Maryland	3,483	7,554	4,555	844	1,190	17,627
Massachusetts	4,338	10,945	5,563	1,085	4,032	25,963
Michigan	6,480	18,754	4,366	1,259	1,256	32,115
Minnesota	5,324	8,246	2,577	924	1,723	18,794
Mississippi	1,468	2,440	1,919	87	197	6,112
Missouri	3,296	8,517	4,900	1,707	845	19,265
Montana	475	857	513	63	165	2,073
Nebraska	1,253	2,471	1,709	437	454	6,323
Nevada	1,644	3,079	1,802	241	388	7,155
New Hampshire	727	2,930	1,043	107	316	5,123
New Jersey	7,647	19,992	10,338	1,172	1,810	40,960
New Mexico	778	1,476	776	129	251	3,410
New York	13,609	27,806	15,536	102,824	4,527	164,302
North Carolina	5,831	13,585	7,338	701	906	28,362
North Dakota	566	1,433	378	249	214	2,840
Ohio	6,412	18,916	8,305	36,770	1,311	71,714
Oklahoma	1,672	2,841	1,748	242	473	6,976
Oregon	1,492	3,760	2,213	241	1,140	8,846
Pennsylvania	7,487	23,995	10,242	2,145	1,730	45,599
Rhode Island	536	2,111	556	119	103	3,426
South Carolina	2,827	7,047	3,302	265	402	13,842
South Dakota	1,942	1,079	501	154	496	4,171
Tennessee	3,982	8,385	5,197	885	1,399	19,848
Texas	15,448	28,799	20,185	3,339	2,638	70,409
Utah	1,747	3,945	1,839	1,582	1,111	10,223
Vermont	266	1,027	380	76	152	1,901
Virginia	4,856	9,792	6,183	763	943	22,537
Washington	3,420	7,516	3,692	444	1,424	16,496
West Virginia	725	2,102	925	104	136	3,992
Wisconsin	3,208	8,424	4,484	4,643	941	21,699
Wyoming	379	567	435	24	64	1,468
United States	$190,960	$437,752	$222,190	$279,254	$60,109	$1,190,265

(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, Insurance Information Institute.

	Private passenger auto		Commercial auto
State	Liability	Coll./Comp.	Liability	Coll./Comp.	Homeowners multiple peril	Farmowners multi peril	Commercial multi peril
Alabama	$2,406,160	$2,192,586	$681,835	$241,657	$2,601,843	$99,440	$929,329
Alaska	324,335	272,407	80,343	27,693	220,233	899	118,917
Arizona	4,421,746	3,214,771	912,184	298,423	2,819,499	22,533	938,793
Arkansas	1,337,320	1,330,651	413,817	172,811	1,395,226	103,131	508,266
California	19,079,638	17,414,501	6,038,441	1,384,322	13,728,927	229,736	7,032,588
Colorado	3,659,914	3,252,655	816,734	297,096	4,581,698	124,939	1,318,359
Connecticut	2,181,432	1,419,877	511,804	133,714	2,051,080	9,009	874,562
Delaware	742,518	394,362	167,987	38,951	420,847	9,802	360,810
D.C.	228,804	204,061	51,703	11,565	221,360	0	226,418
Florida	21,148,245	9,289,156	5,077,570	739,336	17,283,009	28,009	3,926,341
Georgia	8,646,569	4,398,085	1,939,266	463,224	5,095,636	172,853	1,661,648
Hawaii	459,195	425,929	106,297	33,069	499,622	0	267,098
Idaho	802,994	707,395	230,075	113,312	696,978	88,579	351,739
Illinois	5,130,942	4,766,775	1,944,149	692,899	5,517,921	251,116	2,440,110
Indiana	2,596,176	2,407,951	853,974	374,686	2,804,177	238,598	1,194,084
Iowa	1,035,521	1,344,156	387,001	266,152	1,267,046	302,693	651,166
Kansas	1,207,393	1,264,403	337,665	190,140	1,665,697	314,268	572,221
Kentucky	2,247,561	1,499,847	494,520	178,119	1,669,247	202,800	739,118
Louisiana	3,242,796	2,237,185	959,137	175,210	2,888,354	17,008	816,553
Maine	478,747	507,400	145,607	76,257	603,665	7,411	351,995
Maryland	3,749,775	2,732,073	757,638	233,282	2,795,170	37,762	887,818
Massachusetts	3,420,126	3,045,333	916,355	346,344	3,478,968	5,401	1,854,828
Michigan	5,340,744	4,780,797	996,040	488,832	3,796,292	169,934	1,550,443
Minnesota	2,369,753	2,559,350	588,746	334,927	3,385,649	195,484	1,079,654
Mississippi	1,292,495	1,200,486	430,578	149,111	1,486,059	45,123	510,268
Missouri	2,845,687	2,639,116	744,290	336,742	3,027,529	241,252	1,175,200
Montana	477,832	561,957	167,180	101,810	601,171	111,461	292,362
Nebraska	834,537	880,375	257,184	175,186	1,225,408	363,155	463,276
Nevada	2,493,304	1,060,333	556,280	90,009	928,923	9,162	518,418
New Hampshire	521,674	577,949	146,432	62,355	583,913	3,830	350,476
New Jersey	6,260,513	3,322,772	2,086,883	352,840	3,704,874	4,436	2,061,707
New Mexico	1,082,577	823,238	287,743	83,525	833,118	32,897	331,102
New York	10,773,482	6,384,039	3,284,658	537,354	7,595,348	58,792	5,380,070
North Carolina	4,059,964	4,427,188	1,177,152	432,760	4,271,535	77,358	1,480,381
North Dakota	248,507	366,573	117,137	97,866	311,198	163,736	205,986
Ohio	4,209,036	4,117,370	1,232,384	502,066	4,101,101	217,598	1,788,555
Oklahoma	1,808,805	1,761,994	530,239	224,312	2,399,783	223,117	795,450
Oregon	2,407,477	1,479,046	495,327	161,689	1,404,023	101,599	742,441
Pennsylvania	5,300,619	5,549,252	1,541,771	631,263	4,669,184	131,429	2,453,166
Rhode Island	707,755	419,736	131,020	41,395	611,663	558	255,128
South Carolina	3,788,510	2,188,104	682,995	198,262	2,766,131	23,916	858,520
South Dakota	308,408	486,996	113,366	101,184	438,958	184,038	233,916
Tennessee	3,023,175	2,922,142	796,220	367,777	3,117,084	197,207	1,174,982
Texas	17,476,787	14,499,749	5,785,010	1,462,020	16,100,322	512,646	4,915,550
Utah	1,938,902	1,175,440	434,751	146,392	1,032,286	22,775	461,228
Vermont	191,985	261,951	64,166	36,873	271,461	18,544	182,553
Virginia	4,299,130	3,444,767	859,609	312,893	3,567,528	100,519	1,191,989
Washington	3,901,003	2,596,961	872,802	282,483	2,814,177	102,395	1,272,844
West Virginia	716,407	757,911	162,002	67,914	563,018	20,747	271,511
Wisconsin	1,977,453	2,155,521	613,999	396,211	2,091,920	244,218	1,027,496
Wyoming	210,907	333,706	83,307	56,360	341,964	40,323	151,221
United States	$179,415,337	$138,056,376	$49,063,373	$14,720,676	$152,347,825	$5,884,236	$61,198,658

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

State	Workers compensation	Excess workers compensation	Medical professional liability	Product liability	Other liability	Fire	Allied lines
Alabama	$438,656	$20,962	$175,346	$53,021	$1,178,279	$438,507	$438,801
Alaska	187,271	3,693	26,267	7,724	222,415	86,830	43,573
Arizona	893,314	15,565	256,572	87,376	1,851,390	329,663	287,491
Arkansas	274,357	9,284	89,390	28,177	753,706	280,922	230,490
California	11,885,413	237,993	1,032,709	696,010	15,157,511	3,317,362	1,811,213
Colorado	1,049,338	19,382	186,129	101,146	2,345,998	423,694	454,860
Connecticut	746,591	21,812	246,657	70,789	1,658,038	243,495	227,214
Delaware	181,549	1,877	47,381	20,006	811,486	62,092	47,619
D.C.	162,797	6,591	27,972	9,486	730,612	86,454	60,277
Florida	3,429,233	72,840	943,001	360,260	7,798,594	2,854,032	6,838,841
Georgia	1,835,843	44,518	437,715	152,759	3,179,248	736,554	601,362
Hawaii	347,442	10,145	40,665	12,970	466,115	199,101	214,941
Idaho	526,362	2,297	45,131	24,632	414,544	100,835	78,509
Illinois	2,526,954	58,675	583,058	246,746	5,705,586	923,400	620,400
Indiana	855,843	15,461	176,753	130,403	1,540,758	511,716	336,636
Iowa	696,186	7,270	83,859	59,561	986,221	294,103	253,421
Kansas	436,080	9,635	101,472	46,566	741,827	207,451	279,636
Kentucky	579,556	12,390	144,047	40,439	781,891	250,696	197,919
Louisiana	885,543	53,045	117,169	62,727	1,474,605	676,549	804,453
Maine	290,366	3,770	59,590	15,357	286,370	86,793	68,393
Maryland	933,183	12,345	328,513	55,881	1,675,669	299,394	250,176
Massachusetts	1,399,938	27,885	383,139	147,407	3,336,071	597,952	498,628
Michigan	1,083,434	27,619	254,222	137,479	2,153,764	532,674	332,891
Minnesota	1,033,809	1,602	105,847	127,805	1,851,553	450,788	536,024
Mississippi	354,101	12,240	65,923	26,283	518,251	258,733	276,953
Missouri	1,083,313	36,947	225,554	80,618	1,785,540	441,266	416,558
Montana	309,893	5,332	42,127	17,321	328,613	74,556	69,647
Nebraska	401,126	5,290	65,556	32,711	557,799	185,691	164,062
Nevada	482,930	21,778	106,628	45,506	989,518	202,723	145,290
New Hampshire	232,728	7,174	54,289	17,564	335,289	65,106	52,516
New Jersey	2,644,095	42,343	548,061	237,883	4,038,270	661,189	549,148
New Mexico	303,499	6,172	83,876	18,303	413,367	91,568	82,136
New York	3,500,795	60,760	1,761,759	315,870	13,299,026	1,611,912	1,304,530
North Carolina	1,521,494	28,728	205,544	145,524	2,359,755	561,377	612,309
North Dakota	6,271	8	10,984	19,689	276,774	73,464	65,741
Ohio	21,990	78,435	273,445	160,706	2,700,586	684,819	480,225
Oklahoma	648,410	13,023	119,652	47,568	915,095	321,719	363,030
Oregon	804,368	9,902	120,177	74,116	1,040,587	248,934	152,437
Pennsylvania	2,555,792	39,274	840,749	165,170	4,444,598	779,234	589,647
Rhode Island	234,296	2,452	36,311	13,732	398,338	74,338	81,146
South Carolina	879,416	11,843	97,300	78,226	1,073,048	602,812	403,066
South Dakota	194,709	2,036	20,060	19,311	215,463	86,918	74,130
Tennessee	837,514	18,323	272,692	98,338	1,817,082	528,977	423,620
Texas	2,688,752	28,222	551,510	472,536	10,288,004	3,752,100	3,364,045
Utah	519,543	4,762	87,835	68,127	957,998	171,138	109,482
Vermont	185,838	2,165	20,117	8,967	175,918	39,789	26,687
Virginia	1,000,235	25,219	242,526	73,348	2,364,895	416,288	354,164
Washington	28,403	34,803	241,202	108,105	2,245,969	483,499	309,152
West Virginia	260,478	6,060	75,435	11,030	288,758	91,782	61,667
Wisconsin	1,964,514	10,617	96,082	124,233	1,593,357	400,527	303,086
Wyoming	6,558	-203	24,142	7,458	198,726	42,886	41,246
United States	$56,350,118	$1,210,364	$12,182,140	$5,182,970	$112,722,879	$26,944,401	$26,389,488

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

State	Inland marine	Ocean marine	Surety	Fidelity	Burglary and theft	Boiler and machinery	Financial guaranty
Alabama	$2,406,160	$2,192,586	$681,835	$241,657	$2,601,843	$99,440	$929,329
Alaska	324,335	272,407	80,343	27,693	220,233	899	118,917
Arizona	4,421,746	3,214,771	912,184	298,423	2,819,499	22,533	938,793
Arkansas	1,337,320	1,330,651	413,817	172,811	1,395,226	103,131	508,266
California	19,079,638	17,414,501	6,038,441	1,384,322	13,728,927	229,736	7,032,588
Colorado	3,659,914	3,252,655	816,734	297,096	4,581,698	124,939	1,318,359
Connecticut	2,181,432	1,419,877	511,804	133,714	2,051,080	9,009	874,562
Delaware	742,518	394,362	167,987	38,951	420,847	9,802	360,810
D.C.	228,804	204,061	51,703	11,565	221,360	0	226,418
Florida	21,148,245	9,289,156	5,077,570	739,336	17,283,009	28,009	3,926,341
Georgia	8,646,569	4,398,085	1,939,266	463,224	5,095,636	172,853	1,661,648
Hawaii	459,195	425,929	106,297	33,069	499,622	0	267,098
Idaho	802,994	707,395	230,075	113,312	696,978	88,579	351,739
Illinois	5,130,942	4,766,775	1,944,149	692,899	5,517,921	251,116	2,440,110
Indiana	2,596,176	2,407,951	853,974	374,686	2,804,177	238,598	1,194,084
Iowa	1,035,521	1,344,156	387,001	266,152	1,267,046	302,693	651,166
Kansas	1,207,393	1,264,403	337,665	190,140	1,665,697	314,268	572,221
Kentucky	2,247,561	1,499,847	494,520	178,119	1,669,247	202,800	739,118
Louisiana	3,242,796	2,237,185	959,137	175,210	2,888,354	17,008	816,553
Maine	478,747	507,400	145,607	76,257	603,665	7,411	351,995
Maryland	3,749,775	2,732,073	757,638	233,282	2,795,170	37,762	887,818
Massachusetts	3,420,126	3,045,333	916,355	346,344	3,478,968	5,401	1,854,828
Michigan	5,340,744	4,780,797	996,040	488,832	3,796,292	169,934	1,550,443
Minnesota	2,369,753	2,559,350	588,746	334,927	3,385,649	195,484	1,079,654
Mississippi	1,292,495	1,200,486	430,578	149,111	1,486,059	45,123	510,268
Missouri	2,845,687	2,639,116	744,290	336,742	3,027,529	241,252	1,175,200
Montana	477,832	561,957	167,180	101,810	601,171	111,461	292,362
Nebraska	834,537	880,375	257,184	175,186	1,225,408	363,155	463,276
Nevada	2,493,304	1,060,333	556,280	90,009	928,923	9,162	518,418
New Hampshire	521,674	577,949	146,432	62,355	583,913	3,830	350,476
New Jersey	6,260,513	3,322,772	2,086,883	352,840	3,704,874	4,436	2,061,707
New Mexico	1,082,577	823,238	287,743	83,525	833,118	32,897	331,102
New York	10,773,482	6,384,039	3,284,658	537,354	7,595,348	58,792	5,380,070
North Carolina	4,059,964	4,427,188	1,177,152	432,760	4,271,535	77,358	1,480,381
North Dakota	248,507	366,573	117,137	97,866	311,198	163,736	205,986
Ohio	4,209,036	4,117,370	1,232,384	502,066	4,101,101	217,598	1,788,555
Oklahoma	1,808,805	1,761,994	530,239	224,312	2,399,783	223,117	795,450
Oregon	2,407,477	1,479,046	495,327	161,689	1,404,023	101,599	742,441
Pennsylvania	5,300,619	5,549,252	1,541,771	631,263	4,669,184	131,429	2,453,166
Rhode Island	707,755	419,736	131,020	41,395	611,663	558	255,128
South Carolina	3,788,510	2,188,104	682,995	198,262	2,766,131	23,916	858,520
South Dakota	308,408	486,996	113,366	101,184	438,958	184,038	233,916
Tennessee	3,023,175	2,922,142	796,220	367,777	3,117,084	197,207	1,174,982
Texas	17,476,787	14,499,749	5,785,010	1,462,020	16,100,322	512,646	4,915,550
Utah	1,938,902	1,175,440	434,751	146,392	1,032,286	22,775	461,228
Vermont	191,985	261,951	64,166	36,873	271,461	18,544	182,553
Virginia	4,299,130	3,444,767	859,609	312,893	3,567,528	100,519	1,191,989
Washington	3,901,003	2,596,961	872,802	282,483	2,814,177	102,395	1,272,844
West Virginia	716,407	757,911	162,002	67,914	563,018	20,747	271,511
Wisconsin	1,977,453	2,155,521	613,999	396,211	2,091,920	244,218	1,027,496
Wyoming	210,907	333,706	83,307	56,360	341,964	40,323	151,221
United States	$179,415,337	$138,056,376	$49,063,373	$14,720,676	$152,347,825	$5,884,236	$61,198,658

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

State	Aircraft	Earthquake	Federal flood	Credit	Warranty	Accident and health
Alabama	$29,569	$13,743	$29,061	$47,356	$13,912	$117,898
Alaska	70,334	56,092	705	5,198	2,542	12,923
Arizona	88,068	26,439	13,825	26,676	29,244	125,320
Arkansas	39,145	58,443	8,298	21,713	11,028	56,933
California	286,026	2,501,084	133,746	201,493	183,438	794,280
Colorado	101,426	20,768	11,708	53,525	41,802	122,941
Connecticut	40,808	12,487	36,821	38,206	14,428	82,892
Delaware	22,221	2,278	14,825	22,927	21,761	112,455
D.C.	8,163	5,877	1,042	37,102	23	90,093
Florida	239,123	65,188	1,141,073	212,289	839,565	381,670
Georgia	103,623	31,175	42,981	77,144	7,743	228,803
Hawaii	13,676	31,302	35,098	9,546	2,517	13,258
Idaho	24,118	10,584	3,919	11,033	6,057	19,273
Illinois	101,896	127,419	20,794	92,930	249,681	427,629
Indiana	42,468	59,398	11,939	45,153	55,225	426,963
Iowa	23,395	9,197	9,071	21,942	4,886	82,207
Kansas	36,007	10,524	5,262	27,338	214,365	79,574
Kentucky	14,992	59,182	12,540	43,518	7,262	88,904
Louisiana	50,202	9,833	274,487	36,813	7,050	92,889
Maine	8,265	3,115	6,764	8,051	6,593	19,265
Maryland	35,730	19,515	23,787	26,024	16,227	84,267
Massachusetts	32,481	55,060	54,526	60,758	56,591	127,868
Michigan	53,302	14,714	12,606	63,504	595,583	192,329
Minnesota	53,335	8,569	5,192	26,853	22,712	87,525
Mississippi	21,046	30,270	40,094	25,133	5,400	67,720
Missouri	32,609	146,238	15,610	45,953	94,268	179,463
Montana	24,941	10,752	2,769	1,806	970	23,334
Nebraska	26,313	3,550	5,100	7,632	4,205	94,056
Nevada	56,047	71,299	5,994	8,669	3,175	39,371
New Hampshire	14,124	5,186	6,592	13,581	5,171	27,970
New Jersey	30,200	39,517	163,945	98,336	41,268	205,661
New Mexico	14,376	5,722	6,863	12,894	3,765	35,982
New York	94,704	131,319	152,791	280,821	82,570	548,417
North Carolina	68,236	25,633	82,267	63,432	46,145	179,507
North Dakota	15,185	971	4,223	2,530	694	12,535
Ohio	115,440	47,450	18,811	71,364	153,098	274,753
Oklahoma	32,802	19,433	6,422	28,785	10,920	67,562
Oregon	44,433	189,290	15,238	14,726	7,315	79,786
Pennsylvania	63,583	37,478	46,420	75,700	57,602	359,125
Rhode Island	12,507	4,546	10,330	6,667	3,732	17,727
South Carolina	25,409	69,430	107,032	31,652	11,939	93,271
South Dakota	12,780	1,136	2,163	12,835	2,253	16,064
Tennessee	63,644	134,143	20,302	58,010	22,097	171,081
Texas	319,915	77,228	413,632	493,271	155,370	616,635
Utah	48,806	138,366	4,022	18,719	79,690	55,560
Vermont	3,686	1,917	4,129	3,463	804	19,938
Virginia	87,320	32,330	49,792	70,207	30,022	134,003
Washington	58,041	420,752	22,136	35,714	148,106	91,288
West Virginia	5,332	3,009	10,890	7,455	4,792	35,195
Wisconsin	36,611	13,447	7,638	30,289	43,201	156,060
Wyoming	11,409	7,676	1,281	5,313	1,367	21,601
United States	$2,857,871	$4,880,071	$3,136,556	$2,742,050	$3,430,173	$7,491,827

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

State	Multiple peril crop	Private crop	Mortgage guaranty	Miscellaneous	Private flood
Alabama	$110,131	$1,014	$32,836	$65,559	$15,777
Alaska	94	0	1,858	17,819	2,753
Arizona	147,887	2,974	20,776	156,191	19,241
Arkansas	257,204	41,819	14,374	36,895	6,778
California	783,616	25,584	117,425	517,905	136,120
Colorado	327,549	24,177	49,246	143,726	20,136
Connecticut	8,894	9	9,073	72,792	19,129
Delaware	14,738	112	2,025	21,768	4,771
D.C.	0	0	56,828	18,869	4,967
Florida	232,517	550	174,168	446,412	258,530
Georgia	283,462	4,434	59,387	206,364	27,009
Hawaii	2,603	0	2,531	19,005	14,805
Idaho	164,419	16,651	3,703	38,393	4,295
Illinois	1,057,083	167,058	53,151	247,549	38,704
Indiana	577,653	46,875	22,210	119,118	19,445
Iowa	1,351,517	154,467	9,757	52,000	6,570
Kansas	1,259,313	72,195	12,230	45,963	5,766
Kentucky	234,720	8,014	6,916	49,349	11,361
Louisiana	188,088	8,450	27,737	60,866	34,071
Maine	14,981	0	2,476	19,027	3,006
Maryland	45,426	165	24,970	157,220	14,736
Massachusetts	6,029	4	49,299	116,367	34,919
Michigan	289,908	8,431	61,359	191,635	18,742
Minnesota	1,049,398	155,676	47,757	149,836	9,733
Mississippi	189,095	7,578	31,924	26,513	11,223
Missouri	591,229	44,623	69,904	96,580	14,104
Montana	343,236	498	2,880	15,485	3,501
Nebraska	984,726	409,457	10,503	34,143	4,723
Nevada	155,110	1,370	7,063	78,405	8,219
New Hampshire	604	4	4,880	28,870	3,795
New Jersey	7,914	0	54,252	164,233	76,600
New Mexico	181,573	2,468	7,681	30,334	4,079
New York	103,965	213	161,087	199,802	110,714
North Carolina	371,513	3,885	31,044	182,177	30,790
North Dakota	1,505,435	116,693	1,091	16,123	1,777
Ohio	413,294	21,492	53,394	181,350	26,342
Oklahoma	367,040	7,068	14,086	50,965	9,360
Oregon	181,662	3,117	8,302	85,623	12,873
Pennsylvania	79,380	1,381	39,688	194,997	44,932
Rhode Island	202	0	45,655	17,464	5,796
South Carolina	139,007	350	12,405	91,332	32,551
South Dakota	1,195,972	75,288	2,259	13,773	1,290
Tennessee	132,996	3,243	18,084	104,893	18,217
Texas	1,980,925	58,736	136,805	534,508	148,309
Utah	50,003	287	13,260	76,752	7,329
Vermont	5,068	2	719	11,099	1,814
Virginia	107,087	1,391	43,568	164,351	21,828
Washington	336,282	15,079	48,328	173,268	20,830
West Virginia	4,345	15	3,253	17,215	6,004
Wisconsin	391,709	21,257	17,380	105,991	11,941
Wyoming	60,383	2,135	407	9,036	1,457
United States	$18,286,986	$1,536,290	$1,701,995	$5,675,912	$1,371,762

(1) Includes some state funds. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance 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, Insurance 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 Insurance Department Resources Report, published by the National Association of Insurance 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: Insurance Department Resources Report, 2020, published by the National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or redistribution strictly prohibited without written permission of NAIC.

Rank	State	Number of hail events
1	Texas	1,123
2	Nebraska	486
3	Kansas	459
4	Colorado	400
4	Missouri	400
	United States	6,962

(1) Hailstones one inch in diameter or larger. Source: U.S. Department of Commerce, Storm Prediction Center, National Weather Service.

State	Tornadoes	Fatalities	Rank (2)	State	Tornadoes	Fatalities	Rank (2)
Alabama	101	9	2	Montana	4	0	36
Alaska	0	0	(3)	Nebraska	81	0	5
Arizona	4	0	36	Nevada	3	0	38
Arkansas	36	4	17	New Hampshire	2	0	41
California	12	0	30	New Jersey	13	0	28
Colorado	89	0	3	New Mexico	14	0	26
Connecticut	2	0	41	New York	13	0	28
Delaware	5	1	33	North Carolina	14	0	26
D.C.	0	0	(3)	North Dakota	5	0	33
Florida	47	0	13	Ohio	56	0	9
Georgia	58	1	8	Oklahoma	48	2	12
Hawaii	0	0	(3)	Oregon	2	0	41
Idaho	5	0	33	Pennsylvania	26	0	20
Illinois	136	4	1	Rhode Island	2	0	41
Indiana	51	6	11	South Carolina	18	0	24
Iowa	73	0	7	South Dakota	17	0	25
Kansas	39	0	15	Tennessee	53	17	10
Kentucky	41	0	14	Texas	89	8	3
Louisiana	38	0	16	Utah	3	0	38
Maine	1	0	47	Vermont	2	0	41
Maryland	2	0	41	Virginia	8	0	31
Massachusetts	8	0	31	Washington	3	0	38
Michigan	19	2	23	West Virginia	0	0	48
Minnesota	25	0	21	Wisconsin	20	0	22
Mississippi	81	24	5	Wyoming	27	0	18
Missouri	27	5	18	United States (4)	1,423	83

(1) Numbers include preliminary estimates as of January 2024. Ranked by total number of tornadoes. (2) States with the same number of tornadoes receive the same ranking. (3) State had no tornadoes in 2023. (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	2,710	40,975
Alaska	595	3,110,976
Arizona	1,432	124,165
Arkansas	1,903	39,028
California	7,884	309,287
Colorado	835	45,732
Connecticut	150	347
Delaware	7	79
District of Columbia	0	0
Florida	2,784	164,774
Georgia	3,621	25,017
Hawaii	5	25,053
Idaho	1,088	436,733
Illinois	32	298
Indiana	49	1,643
Iowa	7	288
Kansas	67	84,015
Kentucky	1,280	59,199
Louisiana	1,259	24,475
Maine	730	425
Maryland	117	3,139
Massachusetts	1,192	1,756
Michigan	376	3,522
Minnesota	713	3,715
Mississippi	1,980	53,170
Missouri	136	4,968
Montana	2,087	137,509
Nebraska	568	76,534
Nevada	506	58,402
New Hampshire	103	381
New Jersey	1,165	15,532
New Mexico	748	859,906
New York	162	1,313
North Carolina	6,222	28,851
North Dakota	111	1,509
Ohio	724	3,063
Oklahoma	2,811	385,133
Oregon	2,117	456,082
Pennsylvania	951	2,588
Puerto Rico	0	0
Rhode Island	76	44
South Carolina	22	677
South Dakota	527	42,148
Tennessee	1,225	15,059
Texas	12,571	671,800
Utah	945	27,245
Vermont	86	83
Virginia	558	9,956
Washington	1,492	173,659
West Virginia	893	20,275
Wisconsin	923	881
Wyoming	443	25,766
United States (1)	68,988	7,577,175

(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.

State	Incurred losses	State	Incurred losses
Alabama	$7,932,869	Montana	$2,025,856
Alaska	1,025,399	Nebraska	5,372,466
Arizona	10,981,256	Nevada	5,924,381
Arkansas	6,423,348	New Hampshire	1,718,741
California	72,025,659	New Jersey	17,965,451
Colorado	15,238,969	New Mexico	3,454,938
Connecticut	7,005,190	New York	38,805,160
D.C.	1,116,105	North Carolina	13,744,918
Delaware	2,381,057	North Dakota	2,128,868
Florida	47,129,738	Ohio	14,596,857
Georgia	22,801,322	Oklahoma	8,366,866
Hawaii	4,669,909	Oregon	6,029,034
Idaho	2,948,163	Pennsylvania	19,228,027
Illinois	23,963,149	Rhode Island	2,033,900
Indiana	9,851,610	South Carolina	8,824,621
Iowa	6,968,028	South Dakota	2,492,708
Kansas	7,183,002	Tennessee	11,615,138
Kentucky	7,736,442	Texas	60,506,220
Louisiana	8,839,163	Utah	4,488,497
Maine	1,823,550	Vermont	969,148
Maryland	9,560,307	Virginia	10,576,704
Massachusetts	11,387,348	Washington	12,441,549
Michigan	15,492,036	West Virginia	2,082,174
Minnesota	12,537,510	Wisconsin	8,513,219
Mississippi	5,153,294	Wyoming	932,659
Missouri	11,481,010	United States	$598,493,532

(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, Insurance 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, Insurance 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, Insurance 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, Insurance 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, Insurance 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, Insurance Information Institute.

State	Percent	Rank (1)	State	Percent	Rank (1)
Alabama	70.2%	15	Montana	68.8%	19
Alaska	66.1	36	Nebraska	66.0	37
Arizona	67.4	26	Nevada	60.3	48
Arkansas	66.5	33	New Hampshire	72.3	7
California	55.8	49	New Jersey	64.6	41
Colorado	66.4	34	New Mexico	70.9	13
Connecticut	66.3	35	New York	54.1	50
Delaware	74.1	2	North Carolina	66.7	32
D.C.	41.0	51	North Dakota	65.1	40
Florida	67.2	29	Ohio	67.3	28
Georgia	65.9	38	Oklahoma	65.4	39
Hawaii	62.6	45	Oregon	62.8	44
Idaho	72.3	7	Pennsylvania	69.1	18
Illinois	67.1	31	Rhode Island	63.3	43
Indiana	70.8	14	South Carolina	72.0	10
Iowa	72.0	10	South Dakota	69.6	17
Kansas	67.7	22	Tennessee	67.2	29
Kentucky	68.8	19	Texas	62.5	46
Louisiana	67.6	24	Utah	71.2	12
Maine	74.1	2	Vermont	73.7	4
Maryland	67.7	22	Virginia	67.4	26
Massachusetts	62.2	47	Washington	64.2	42
Michigan	73.2	5	West Virginia	74.5	1
Minnesota	72.1	9	Wisconsin	68.1	21
Mississippi	69.9	16	Wyoming	72.7	6
Missouri	67.6	24	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	78,972	802,920	$30,986,278
Alaska	18,188	137,271	6,974,993
Arizona	114,076	1,065,720	43,182,447
Arkansas	53,966	490,680	17,132,234
California	808,213	7,224,945	375,608,143
Colorado	143,372	1,140,757	52,592,385
Connecticut	73,735	745,085	37,942,808
Delaware	20,194	187,221	8,523,741
D.C.	17,878	250,345	17,655,546
Florida	469,684	3,494,174	141,824,996
Georgia	187,477	1,677,662	69,960,594
Hawaii	27,190	275,908	11,307,271
Idaho	41,312	325,294	11,507,380
Illinois	268,674	2,476,958	120,256,281
Indiana	116,862	1,232,838	47,885,328
Iowa	69,029	649,796	25,142,567
Kansas	61,515	605,147	23,519,181
Kentucky	71,336	712,477	26,227,457
Louisiana	86,986	905,147	36,296,925
Maine	36,138	293,872	11,288,850
Maryland	114,081	1,155,541	56,807,391
Massachusetts	149,803	1,507,965	83,946,046
Michigan	185,497	1,892,394	81,626,911
Minnesota	127,061	1,259,012	54,885,165
Mississippi	46,956	437,242	14,928,646
Missouri	122,164	1,163,782	45,630,303
Montana	34,096	245,758	8,802,223
Nebraska	46,401	412,587	15,808,095
Nevada	53,908	503,144	20,472,538
New Hampshire	31,606	300,628	14,236,547
New Jersey	199,857	1,836,164	91,086,388
New Mexico	35,735	339,731	12,539,639
New York	481,792	4,110,264	219,738,715
North Carolina	187,749	1,710,890	65,858,411
North Dakota	20,979	195,312	8,360,080
Ohio	198,301	2,180,337	87,856,791
Oklahoma	77,320	710,271	27,600,634
Oregon	100,766	871,241	35,729,253
Pennsylvania	245,259	2,512,633	107,956,147
Rhode Island	24,320	229,212	9,934,914
South Carolina	86,695	817,008	29,652,310
South Dakota	23,766	209,403	7,552,385
Tennessee	105,492	1,116,870	46,188,806
Texas	473,281	4,768,938	212,325,999
Utah	68,296	590,417	24,033,600
Vermont	18,589	157,322	6,375,197
Virginia	160,910	1,557,962	73,409,216
Washington	162,989	1,404,077	67,340,488
West Virginia	28,424	269,789	9,414,952
Wisconsin	117,354	1,267,087	50,287,603
Wyoming	18,558	128,883	5,336,181
United States	6,512,802	60,556,081	$2,711,536,979

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

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