St. Lucie County carrier presence
Residential carriers writing in St. Lucie County, ranked by policies in force, from the OIR QUASR county cut (as of 2026-03-01).
Florida's largest domestic insurers file county-level data as trade secret under §624.4212, Fla. Stat. (e.g. State Farm Florida, Universal, Slide, Tower Hill, American Integrity, Florida Peninsula, Kin). They are absent from this county view, so treat it as the residual-and-specialty slice of the market, not the whole.
| # | Carrier | Policies in force | Premium written | County share |
|---|---|---|---|---|
| 1 | CITIZENS PROPERTY INSURANCE CORPORATION | 3,537 | $10M | 20.9% |
| 2 | MANGROVE PROPERTY INSURANCE COMPANY | 2,520 | $8.1M | 14.9% |
| 3 | AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA | 2,462 | $513.4K | 14.6% |
| 4 | CASTLE KEY INDEMNITY COMPANY | 1,424 | $2.7M | 8.4% |
| 5 | AMERICAN SECURITY INSURANCE COMPANY | 1,342 | $8.2M | 7.9% |
| 6 | CYPRESS PROPERTY & CASUALTY INSURANCE COMPANY | 1,287 | $3.6M | 7.6% |
| 7 | FLORIDA FARM BUREAU CASUALTY INSURANCE COMPANY | 809 | $3M | 4.8% |
| 8 | AMERICAN MODERN HOME INSURANCE COMPANY | 800 | $179.1K | 4.7% |
| 9 | TRISURA INSURANCE COMPANY | 421 | $99.6K | 2.5% |
| 10 | CENTAURI SPECIALTY INSURANCE COMPANY | 358 | $1.3M | 2.1% |
| 11 | AMERICAN NATIONAL PROPERTY & CASUALTY COMPANY | 309 | $140.1K | 1.8% |
| 12 | AMICA MUTUAL INSURANCE COMPANY | 253 | $746.7K | 1.5% |
| 13 | APEX STAR RECIPROCAL EXCHANGE | 221 | $674.2K | 1.3% |
| 14 | MARKEL AMERICAN INSURANCE COMPANY | 171 | $3.9K | 1.0% |
| 15 | CASTLE KEY INSURANCE COMPANY | 163 | $804.8K | 1.0% |
| 16 | LEMONADE INSURANCE COMPANY | 160 | $43.6K | 0.9% |
| 17 | HARTFORD INSURANCE COMPANY OF THE MIDWEST | 132 | $506.1K | 0.8% |
| 18 | NATIONWIDE PROPERTY AND CASUALTY INSURANCE COMPANY | 109 | $267.6K | 0.6% |
| 19 | MARKEL INSURANCE COMPANY | 64 | $600.1 | 0.4% |
| 20 | FARMERS CASUALTY INSURANCE COMPANY | 62 | $154K | 0.4% |
| 21 | FLORIDA FARM BUREAU GENERAL INSURANCE COMPANY | 56 | $231.8K | 0.3% |
| 22 | LIBERTY MUTUAL FIRE INSURANCE COMPANY | 51 | $29K | 0.3% |
| 23 | FIRST LIBERTY INSURANCE CORPORATION (THE) | 44 | $23.4K | 0.3% |
| 24 | NATIONWIDE MUTUAL INSURANCE COMPANY | 43 | $92K | 0.3% |
| 25 | FOREMOST PROPERTY AND CASUALTY INSURANCE COMPANY | 31 | $102.7K | 0.2% |
| 26 | THE CINCINNATI INSURANCE COMPANY | 12 | $52.5K | 0.1% |
| 27 | STILLWATER PROPERTY AND CASUALTY INSURANCE COMPANY | 11 | $10K | 0.1% |
| 28 | UNITED CASUALTY INSURANCE COMPANY OF AMERICA | 11 | $254 | 0.1% |
| 29 | AIG PROPERTY CASUALTY COMPANY | 9 | $206.4K | 0.1% |
| 30 | AFFILIATED FM INSURANCE COMPANY | 8 | $24.2K | 0.1% |
- 1.CITIZENS PROPERTY INSURANCE CORPORATION
- Policies
- 3,537
- Premium
- $10M
20.9% - 2.MANGROVE PROPERTY INSURANCE COMPANY
- Policies
- 2,520
- Premium
- $8.1M
14.9% - 3.AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA
- Policies
- 2,462
- Premium
- $513.4K
14.6% - 4.CASTLE KEY INDEMNITY COMPANY
- Policies
- 1,424
- Premium
- $2.7M
8.4% - 5.AMERICAN SECURITY INSURANCE COMPANY
- Policies
- 1,342
- Premium
- $8.2M
7.9% - 6.CYPRESS PROPERTY & CASUALTY INSURANCE COMPANY
- Policies
- 1,287
- Premium
- $3.6M
7.6% - 7.FLORIDA FARM BUREAU CASUALTY INSURANCE COMPANY
- Policies
- 809
- Premium
- $3M
4.8% - 8.AMERICAN MODERN HOME INSURANCE COMPANY
- Policies
- 800
- Premium
- $179.1K
4.7% - 9.TRISURA INSURANCE COMPANY
- Policies
- 421
- Premium
- $99.6K
2.5% - 10.CENTAURI SPECIALTY INSURANCE COMPANY
- Policies
- 358
- Premium
- $1.3M
2.1% - 11.AMERICAN NATIONAL PROPERTY & CASUALTY COMPANY
- Policies
- 309
- Premium
- $140.1K
1.8% - 12.AMICA MUTUAL INSURANCE COMPANY
- Policies
- 253
- Premium
- $746.7K
1.5% - 13.APEX STAR RECIPROCAL EXCHANGE
- Policies
- 221
- Premium
- $674.2K
1.3% - 14.MARKEL AMERICAN INSURANCE COMPANY
- Policies
- 171
- Premium
- $3.9K
1.0% - 15.CASTLE KEY INSURANCE COMPANY
- Policies
- 163
- Premium
- $804.8K
1.0% - 16.LEMONADE INSURANCE COMPANY
- Policies
- 160
- Premium
- $43.6K
0.9% - 17.HARTFORD INSURANCE COMPANY OF THE MIDWEST
- Policies
- 132
- Premium
- $506.1K
0.8% - 18.NATIONWIDE PROPERTY AND CASUALTY INSURANCE COMPANY
- Policies
- 109
- Premium
- $267.6K
0.6% - 19.MARKEL INSURANCE COMPANY
- Policies
- 64
- Premium
- $600.1
0.4% - 20.FARMERS CASUALTY INSURANCE COMPANY
- Policies
- 62
- Premium
- $154K
0.4% - 21.FLORIDA FARM BUREAU GENERAL INSURANCE COMPANY
- Policies
- 56
- Premium
- $231.8K
0.3% - 22.LIBERTY MUTUAL FIRE INSURANCE COMPANY
- Policies
- 51
- Premium
- $29K
0.3% - 23.FIRST LIBERTY INSURANCE CORPORATION (THE)
- Policies
- 44
- Premium
- $23.4K
0.3% - 24.NATIONWIDE MUTUAL INSURANCE COMPANY
- Policies
- 43
- Premium
- $92K
0.3% - 25.FOREMOST PROPERTY AND CASUALTY INSURANCE COMPANY
- Policies
- 31
- Premium
- $102.7K
0.2% - 26.THE CINCINNATI INSURANCE COMPANY
- Policies
- 12
- Premium
- $52.5K
0.1% - 27.STILLWATER PROPERTY AND CASUALTY INSURANCE COMPANY
- Policies
- 11
- Premium
- $10K
0.1% - 28.UNITED CASUALTY INSURANCE COMPANY OF AMERICA
- Policies
- 11
- Premium
- $254
0.1% - 29.AIG PROPERTY CASUALTY COMPANY
- Policies
- 9
- Premium
- $206.4K
0.1% - 30.AFFILIATED FM INSURANCE COMPANY
- Policies
- 8
- Premium
- $24.2K
0.1%
Methodology & sources
This explorer compiles filed and public-record insurance market data. It is a reference surface, not insurance advice — figures reflect what carriers and regulators have filed, with the vintage shown per source.
- Carrier market shareNAIC 50-state baseline + state DOI reports (latest filed year)
- Carrier market-share is computed within a single state and line from filed market data (NAIC 50-state baseline, state DOI market-share reports, and FL OIR QUASR). Share compares carriers inside one state/line only — it never sums premium across states, so earned-basis and written-basis filings are never mixed.
- Florida county presenceFL OIR QUASR county cut, latest report period
- Florida county carrier presence is the OIR QUASR county cut. Large Florida domestic carriers file their county data as trade secret under §624.4212, Fla. Stat., so they are absent here — the county view is not a complete market.
- Residual marketIII / PIPSO residual-plan stats (FY2024) + state factbooks
- Residual-market exposure aggregates FAIR plans, beach/windstorm pools, and state-run insurers of last resort from Insurance Information Institute (III · PIPSO) stat tables and state factbooks. Exposure and premium are stored in full dollars.
- Carrier-health watchNAIC GRID + state insolvency lists
- Receivership status is from NAIC GRID and state insolvency lists. We show the proceeding type and date as filed — this is a public record, not a judgment about a carrier's financial strength.
- ZIP cost & nonrenewalFIO federal homeowners filings, 2018–2022
- ZIP-level premium, loss, and nonrenewal figures are from the Federal Insurance Office (FIO) homeowners data filings, 2018–2022. Treasury withdrew the dataset; this is a recovered public mirror.
- Utah basis note
- Utah filings report direct premiums earned (not written); its share figures are earned-basis and not directly comparable to written-basis states.
Comparing coverage for your association?
Get quotes from a Florida-licensed P&C producer who specializes in community associations. Common Elements is a marketing service that connects you with a licensed agent — we don’t quote, bind, or sell coverage, and this page is reference data, not insurance advice.
Request quotes