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, marketed through Wright Flood, is focused on flood insurance only. Current official materials emphasize federal flood insurance through the NFIP nationwide and excess flood coverage layered above NFIP limits. Preferred business includes homes, businesses, condo units, renters, single-family, multifamily, and condominium risks, both residential and commercial, in participating communities across all 50 states and all flood zones, including high-risk and low-to-moderate-risk areas. Wright states it serves properties with multiple building types, including slab, crawlspace, basement, and enclosure exposures. Core underwriting for NFIP business follows FEMA/NFIP rules as a Write Your Own carrier, so eligibility, coverage structure, and underwriting are governed by NFIP requirements rather than a separately published broad-form carrier appetite guide. Published maximum NFIP limits shown are residential buildings up to $250,000 and contents up to $100,000; commercial buildings up to $500,000 and contents up to $500,000. For larger values, Wright promotes excess flood that extends above NFIP limits and may insure up to full replacement cost, subject to underwriting guidelines; Wright also notes it reserves the right to modify the excess flood policy. No separate official public declined-classes list or prohibited-risk schedule was found on the verified carrier pages reviewed; operationally, risks outside NFIP eligibility/rules or outside Wright’s excess underwriting guidelines should be expected to require case review or be ineligible. Geographic notes: nationwide distribution through more than 17,000 independent agencies, availability in all 50 states and over 21,000 participating communities, with field sales support in all 50 states. Submission/producer notes: business is distributed through independent agents; agents can access a secure portal for quoting and policy management, and Wright highlights online quoting tools, in-house policy processing, NFIP-compliant technology, an assigned underwriting service team for each agency, and customer support by chat or phone. Broker/producer support includes training, webinars, continuing education, marketing tools, and claims reporting online, by phone, or fax. Public-facing guidance is more producer-service oriented than class-by-class appetite specific.