Wright National Flood Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Wright National Flood Insurance Company continues to position itself primarily as a flood specialist for independent agents nationwide. Official agent materials emphasize federal flood insurance/NFIP as the core offering, with excess flood coverage and additional private flood options also available. Preferred business includes homes, businesses, condo units, renters, single-family, multifamily, and condominium risks, in all flood zones, and across varied building types including basements/enclosures, slab, and crawlspace construction. Wright states it writes through more than 17,000 independent agencies and supports agencies in all 50 states, with field sales experts nationwide and an underwriting service team assigned to each agency. For NFIP business, Wright indicates availability in all 50 states and 21,000+ participating communities, following NFIP/FEMA rules as a WYO carrier. Published NFIP limit references remain standard: residential building up to $250,000 and contents up to $100,000; commercial building and contents up to $500,000 each. Excess flood is described as coverage above NFIP limits, intended to build onto an existing Wright Flood policy, with additional building replacement cost and contents capacity subject to underwriting guidelines; Wright expressly reserves the right to modify the excess policy. Current public pages do not provide a granular declined-classes list or detailed ineligible occupancies, so restrictions should be treated as product/form and underwriting-guideline driven rather than broadly published. Geographic notes: NFIP distribution is nationwide where communities participate; Wright also publicly notes private/excess product availability varies by program and state, with examples on the homepage including Wright Excess in 41 states and other private programs in selected states. Submission/producer notes: agents are directed to the secure agent portal for quoting and account management; prospective agencies are asked to complete an agency profile and indicate whether they want to quote immediately or transfer a book of flood business. Existing agents are told to route policy questions through the website or customer service, and marketing support through regional sales managers or Flood Marketing. Operationally, Wright appears best suited for retail agents seeking a broad flood market with NFIP-first capability, plus excess/private placements for higher-value or specialty flood needs when available by state and underwriting.