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Fire Insurance, 2014-2023
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($000)

Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2014 $11,501,516 2.4% 86.0 6.9 pts.
2015 11,417,751 -0.7 84.9 -1.1
2016 11,005,907 -3.6 92.0 7.2
2017 10,688,228 -2.9 118.6 26.6
2018 11,622,617 8.7 111.4 -7.2
2019 11,935,179 2.7 95.9 -15.5
2020 13,196,751 10.6 104.5 8.6
2021 15,562,961 17.9 106.4 2.0
2022 16,542,615 6.3 94.4 -12.0
2023 20,985,419 26.9 85.9 -8.5

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

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

 

Archived Tables

FIRE INSURANCE, 1999-2008
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($000)

Year Net premiums written (1)  Annual percent change Combined ratio (2) Annual point change (3)
1999 $4,773,647 1.4% 104.0 NA
2000 4,740,558 -0.7 110.9 6.9 pts.
2001 5,097,592 7.5 117.5 6.6
2002 7,365,861 44.5 84.0 -33.5
2003 8,396,083 14.0 79.6 -4.4
2004 8,050,779 -4.1 73.1 -6.5
2005 7,937,316 -1.4 83.2 10.1
2006 9,364,840 18.0 77.9 -5.3
2007 9,765,290 4.3 86.1 8.2
2008 9,908,519 1.5 92.1 6.0

(1) After reinsurance transactions, excluding state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

NA=Data not available.

Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.

 
FIRE INSURANCE, 2000-2009
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($000)

Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2000 $4,644,164 -3.3% 113.7 9.7 pts.
2001 4,875,888 5.0 118.9 5.2
2002 7,214,559 48.0 87.1 -31.7
2003 8,383,939 16.2 79.3 -7.8
2004 8,043,670 -4.1 74.4 -5.0
2005 7,882,717 -2.0 81.6 7.2
2006 9,337,982 18.5 76.5 -5.1
2007 9,765,414 4.6 86.3 9.9
2008 9,904,948 1.4 92.5 6.1
2009 10,099,906 2.0 78.5 -14.0

(1) After reinsurance transactions, excluding state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

Source: SNL Financial LC.

 
FIRE INSURANCE, 2001-2010
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($000)

Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2001 $4,875,888 5.0% 118.9 5.2 pts.
2002 7,214,559 48.0 87.1 -31.7
2003 8,383,939 16.2 79.3 -7.8
2004 8,043,670 -4.1 74.4 -5.0
2005 7,882,717 -2.0 81.6 7.2
2006 9,337,982 18.5 76.5 -5.1
2007 9,765,414 4.6 86.3 9.9
2008 9,904,948 1.4 92.5 6.1
2009 10,099,681 2.0 78.5 -13.9
2010 10,216,570 1.2 80.1 1.5

(1) After reinsurance transactions, excluding state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

Source: SNL Financial LC.

 
FIRE INSURANCE, 2002-2011
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($000)

Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2002 $7,214,559 48.0% 87.1 -31.7 pts.
2003 8,383,939 16.2 79.3 -7.8
2004 8,043,670 -4.1 74.4 -4.9
2005 7,882,717 -2.0 81.6 7.2
2006 9,337,982 18.5 76.5 -5.1
2007 9,765,414 4.6 86.3 9.9
2008 9,904,982 1.4 92.5 6.1
2009 10,099,681 2.0 78.5 -13.9
2010 10,218,100 1.2 80.1 1.5
2011 10,317,911 1.0 93.4 13.4

(1) After reinsurance transactions, excluding state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

Source: SNL Financial LC.

 
FIRE INSURANCE, 2003-2012
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($000)

Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2003 $8,394,057 14.0% 79.7 -4.5 pts.
2004 8,025,042 -4.4 73.2 -6.5
2005 7,934,584 -1.1 83.3 10.1
2006 9,365,050 18.0 78.0 -5.3
2007 9,664,054 3.2 85.6 7.6
2008 9,906,059 2.5 92.3 6.7
2009 10,109,161 2.1 78.6 -13.7
2010 10,199,101 0.9 80.2 1.7
2011 10,317,968 1.2 94.1 13.9
2012 10,766,151 4.3 87.5 -6.7

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

Source: SNL Financial LC.

 
FIRE INSURANCE, 2004-2013
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($000)

Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2004 $8,025,042 -4.4% 73.2 -6.5 pts.
2005 7,934,584 -1.1 83.3 10.1
2006 9,365,050 18.0 78.0 -5.3
2007 9,664,054 3.2 85.6 7.6
2008 9,906,059 2.5 92.3 6.7
2009 10,109,161 2.1 78.6 -13.7
2010 10,199,101 0.9 80.2 1.7
2011 10,317,968 1.2 94.1 13.9
2012 10,795,612 4.6 87.4 -6.7
2013 11,229,431 4.0 79.1 -8.3

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

Source: SNL Financial LC.

 
FIRE INSURANCE, 2005-2014
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($000)

Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2005 $7,934,584 -1.1% 83.3 10.1 pts.
2006 9,365,050 18.0 78.0 -5.3
2007 9,664,054 3.2 85.6 7.6
2008 9,906,059 2.5 92.3 6.7
2009 10,109,161 2.1 78.6 -13.7
2010 10,199,101 0.9 80.2 1.7
2011 10,317,968 1.2 94.1 13.9
2012 10,795,612 4.6 87.4 -6.7
2013 11,229,431 4.0 79.1 -8.3
2014 11,500,360 2.4 84.8 5.7

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

Source: SNL Financial LC.

 
Fire Insurance, 2006-2015
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($000)

Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2006 $9,365,050 18.0% 78.0 -5.3 pts.
2007 9,664,054 3.2 85.6 7.6
2008 9,906,059 2.5 92.3 6.7
2009 10,109,161 2.1 78.6 -13.7
2010 10,199,101 0.9 80.2 1.7
2011 10,317,968 1.2 94.1 13.9
2012 10,795,612 4.6 87.4 -6.7
2013 11,229,431 4.0 79.1 -8.3
2014 11,501,516 2.4 84.8 5.7
2015 11,414,797 -0.8 84.9 0.1

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

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

 
Fire Insurance, 2007-2016
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($000)

Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2007 $9,664,054 3.2% 85.6 7.6 pts.
2008 9,906,059 2.5 92.3 6.7
2009 10,109,161 2.1 78.6 -13.7
2010 10,199,101 0.9 80.2 1.7
2011 10,317,968 1.2 94.1 13.9
2012 10,795,612 4.6 87.4 -6.7
2013 11,229,431 4.0 79.1 -8.3
2014 11,501,516 2.4 84.8 5.7
2015 11,417,751 -0.7 84.9 0.1
2016 11,005,045 -3.6 92.0 7.2

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

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

 
Fire Insurance, 2008-2017
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($000)

Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2008 $9,906,059 2.5% 92.3 6.7 pts.
2009 10,109,161 2.1 78.6 -13.7
2010 10,199,101 0.9 80.2 1.7
2011 10,317,968 1.2 94.1 13.9
2012 10,795,612 4.6 87.4 -6.7
2013 11,229,431 4.0 79.1 -8.3
2014 11,501,516 2.4 86.0 6.9
2015 11,417,751 -0.7 84.9 -1.1
2016 11,005,907 -3.6 92.0 7.2
2017 10,688,228 -2.9 118.6 26.6

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

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

 
Fire Insurance, 2009-2018
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($000)

Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2009 $10,109,161 2.1% 78.6 -13.7 pts.
2010 10,199,101 0.9 80.2 1.7
2011 10,317,968 1.2 94.1 13.9
2012 10,795,612 4.6 87.4 -6.7
2013 11,229,431 4.0 79.1 -8.3
2014 11,501,516 2.4 86.0 6.9
2015 11,417,751 -0.7 84.9 -1.1
2016 11,005,907 -3.6 92.0 7.2
2017 10,688,228 -2.9 118.6 26.6
2018 11,622,400 8.7 111.4 -7.2

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

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

 
Fire Insurance, 2010-2019
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($000)

Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2010 $10,199,101 0.9% 80.2 1.7 pts.
2011 10,317,968 1.2 94.1 13.9
2012 10,795,612 4.6 87.4 -6.7
2013 11,229,431 4.0 79.1 -8.3
2014 11,501,516 2.4 86.0 6.9
2015 11,417,751 -0.7 84.9 -1.1
2016 11,005,907 -3.6 92.0 7.2
2017 10,688,228 -2.9 118.6 26.6
2018 11,622,617 8.7 111.4 -7.2
2019 11,948,783 2.8 95.9 -15.5

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

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

 
Fire Insurance, 2011-2020
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($000)

Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2011 $10,317,968 1.2% 94.1 13.9 pts.
2012 10,795,612 4.6 87.4 -6.7
2013 11,229,431 4.0 79.1 -8.3
2014 11,501,516 2.4 86.0 6.9
2015 11,417,751 -0.7 84.9 -1.1
2016 11,005,907 -3.6 92.0 7.2
2017 10,688,228 -2.9 118.6 26.6
2018 11,622,617 8.7 111.4 -7.2
2019 11,941,818 2.7 95.9 -15.5
2020 13,196,226 10.5 104.5 8.6

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

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

 
Fire Insurance, 2012-2021
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($000)

Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2012 $10,795,612 4.6% 87.4 -6.7 pts.
2013 11,229,431 4.0 79.1 -8.3
2014 11,501,516 2.4 86.0 6.9
2015 11,417,751 -0.7 84.9 -1.1
2016 11,005,907 -3.6 92.0 7.2
2017 10,688,228 -2.9 118.6 26.6
2018 11,622,617 8.7 111.4 -7.2
2019 11,935,179 2.7 95.9 -15.5
2020 13,196,751 10.6 104.5 8.6
2021 14,767,762 11.9 107.5 3.0

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

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

 
Fire Insurance, 2013-2022
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($000)

Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2013 $11,229,431 4.0% 79.1 -8.3 pts.
2014 11,501,516 2.4 86.0 6.9
2015 11,417,751 -0.7 84.9 -1.1
2016 11,005,907 -3.6 92.0 7.2
2017 10,688,228 -2.9 118.6 26.6
2018 11,622,617 8.7 111.4 -7.2
2019 11,935,179 2.7 95.9 -15.5
2020 13,196,751 10.6 104.5 8.6
2021 15,557,353 17.9 106.4 2.0
2022 16,485,819 6.0 94.6 -11.8

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

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