Wright Flood — formally Wright National Flood Insurance Company — is a flood-specialty insurer whose core business is issuing and servicing federal NFIP policies as a participant in FEMA's Write Your Own (WYO) program; it appears on FEMA's current WYO company list. Its about page describes its sole focus as "federal flood insurance and excess flood insurance," states that its roots in federal flood insurance date to the beginning of the flood program, and reports almost 300 NFIP-trained associates based in St. Petersburg, Florida. Distribution runs through a network of more than 17,000 independent insurance agents.
Wright has been a wholly owned subsidiary of Brown & Brown, Inc. since the insurance brokerage completed its acquisition of The Wright Insurance Group in 2014. Alongside its federal book, Wright sells excess flood coverage above NFIP limits and, through its affiliated services arm, operates a marketplace for private flood placements. The company holds an A ("Excellent") financial strength rating from A.M. Best per its site.
Company facts
| Headquarters | St. Petersburg, Florida (almost 300 NFIP-trained associates) [2] |
|---|---|
| Company type | Write Your Own (WYO) insurer — issues and services federal NFIP policies under its own name; also sells excess flood [1] [2] |
| Relationship to the NFIP | On FEMA's WYO company list (one of 48 participants); premiums and claim rules on its NFIP policies are federal [1] |
| Product focus | "Sole focus is federal flood insurance and excess flood insurance" (about page); private flood marketplace via its services affiliate [2] [3] |
| Distribution | Network of 17,000+ independent agents [2] |
| Parent company | Brown & Brown, Inc. (acquisition of The Wright Insurance Group completed May 2014) [4] |
| Financial rating | A.M. Best: A ("Excellent") per company site [3] |
Fields without a verified source are omitted rather than estimated, per the site's editorial policy.
Relationship to the NFIP
Wright's defining structural fact is its WYO role: an NFIP policy bought through Wright is a federal contract on the Standard Flood Insurance Policy form, priced by FEMA's rating engine, with claims paid from the National Flood Insurance Fund. Wright's name is on the declarations page; the premium and the claim rules are identical to any other WYO insurer's, as this site's Write Your Own guide explains.
Its excess flood product is different in kind: a private contract sitting above the NFIP's statutory limits ($250,000 residential building / $100,000 contents), governed by Wright's filed forms rather than federal statute. A policyholder can hold both — the federal policy to its caps, private excess above them.
How federal and private coverage differ structurally: NFIP vs. private flood insurance · the Write Your Own program
Frequently asked questions
Is Wright Flood part of the federal government?
No. It is a private insurer participating in FEMA's Write Your Own arrangement: it issues and services federal flood policies as a fiscal agent of the United States, while FEMA bears the insurance risk and sets rates and rules.
Is an NFIP quote from Wright different from other companies' NFIP quotes?
No. NFIP premiums are produced by FEMA's rating engine and are identical through every WYO insurer and NFIP Direct. Companies differ in servicing, not federal pricing.
What does Wright sell beyond federal policies?
Excess flood coverage above the NFIP's statutory limits, and access to private flood placements through its affiliated services company. These are private contracts with their own terms.
Do Wright's NFIP policies appear in this site's data?
Yes. WYO-serviced policies and claims are part of FEMA's public OpenFEMA records, which are the source of every statistic on this site.
Sources
- FEMA/NFIP: Write Your Own flood insurance company list — Wright National Flood Insurance Company (agents.floodsmart.gov) — accessed 2026-07-16
- Wright Flood: About us (wrightflood.com) — accessed 2026-07-16
- Wright Flood: home page (wrightflood.com) — accessed 2026-07-16
- Insurance Journal: "Brown & Brown Completes Acquisition of Wright Insurance Group" (May 2014) — accessed 2026-07-16