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         As Harvey swings back for another pass at Texas, a look at the insurers most exposed
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        <a rel="author" href="http://www.marketwatch.com/topics/journalists/andrea-riquier">Andrea Riquier</a>
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    <p id="published-timestamp" class="timestamp">Published: <span>Aug 28, 2017 12:25 p.m. ET</span></p>

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<p>For most large national insurers, Texas policies are a small portion of their book</p>
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                    <figcaption>Leslie Andermann Gallagher surveys the flood damage to her Louisiana home in 2016. Hurricane Harvey, which is pummeling mostly Texas and part of Louisiana this week, could force tens of billions of dollars in payouts for insurers. </figcaption>
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                                                               <p>Harvey isn’t even done menacing lives, property and infrastructure in Texas and beyond, leaving analysts increasingly concerned about the impact on insurers.</p> <p>J.P. Morgan estimates as much as $10 billion-$20 billion in losses to the insurance industry, or an amount equivalent to “slightly less than one-quarter of [insurance-sector] earnings.” </p> <p>That puts Harvey within the top 10 most costly hurricanes to hit the U.S., the analysts wrote in a Monday note.</p> <p> <strong>Also read</strong>: <a href="/story/houston-forecast-unprecedented-50-inches-of-rain-2017-08-27" class="icon none" >Houston forecast: ‘Unprecedented’ 50 inches of rain</a></p> <p>On Friday, just before Harvey slammed into the Texas coast, CreditSights released an analysis of insurers most exposed to losses from the hurricane. State Farm has the most exposure overall in the Gulf Coast, with $5.9 billion in direct premiums of all types. </p> <p>State Farm is also the largest writer of Texas homeowners’ insurance, CreditSights noted. But there are several types of insurance beyond just homes and buildings that the researchers called “particularly vulnerable” to hurricane damages: auto, crop, fire, flood, marine and several types of policies that cover business processes and continuity. </p> <p>For each of the five underwriters who wrote the most insurance, as ranked by dollar amount, homeowners’ policies made up about one-third of all their business in Texas. But these policies made up very small fractions of their overall U.S. business, ranging from 2.2% for Liberty Mutual to 4.7% for Farmers and USAA. </p> <table> <tbody> <tr class="data"> <td id="" align="left" valign="top" colspan=""> <strong>Texas Homeowners’ insurance policy writers</strong> </td> <td id="" align="left" valign="top" colspan=""> <strong>Direct premiums written, 2016</strong> </td> </tr> <tr class="data even"> <td id="" align="left" valign="top" colspan="">State Farm</td> <td id="" align="left" valign="top" colspan="">$1,858,752</td> </tr> <tr class="data"> <td id="" align="left" valign="top" colspan="">Allstate</td> <td id="" align="left" valign="top" colspan="">$1,074,461</td> </tr> <tr class="data even"> <td id="" align="left" valign="top" colspan="">Farmers</td> <td id="" align="left" valign="top" colspan="">$924,610</td> </tr> <tr class="data"> <td id="" align="left" valign="top" colspan="">USAA</td> <td id="" align="left" valign="top" colspan="">$852,580</td> </tr> <tr class="data even"> <td id="" align="left" valign="top" colspan="">Liberty Mutual</td> <td id="" align="left" valign="top" colspan="">$698,499</td> </tr> </tbody> </table> <p>CreditSights lumped several types of commercial insurance together for the table below, which ranks underwriters by dollar amount of policies written:</p> <table> <tbody> <tr class="data"> <td id="" align="left" valign="top" colspan=""> <strong>Texas Commercial insurance policy writers</strong> </td> <td id="" align="left" valign="top" colspan=""> <strong>Direct premiums written, all Texas lines, 2016</strong> </td> </tr> <tr class="data even"> <td id="" align="left" valign="top" colspan="">CNA</td> <td id="" align="left" valign="top" colspan="">$896,393</td> </tr> <tr class="data"> <td id="" align="left" valign="top" colspan="">Texas Windstorm Association</td> <td id="" align="left" valign="top" colspan="">$487.354</td> </tr> <tr class="data even"> <td id="" align="left" valign="top" colspan="">Liberty Mutual</td> <td id="" align="left" valign="top" colspan="">$2,712,689</td> </tr> <tr class="data"> <td id="" align="left" valign="top" colspan="">Chubb</td> <td id="" align="left" valign="top" colspan="">$1,498,378</td> </tr> <tr class="data even"> <td id="" align="left" valign="top" colspan="">Zurich</td> <td id="" align="left" valign="top" colspan="">$910,849</td> </tr> </tbody> </table> <p>For instance, CNA

                            
                            
                                  
      
      
      
      
      
      
      
                                  
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                                          derives nearly 60% of its Texas business from commercial policies, which included allied lines, commercial auto physical damage, commercial property multiple peril, fire, inland marine, and crop multiple peril. But they make up only 5.2% of the company’s total U.S. insurance business, CreditSights wrote. </p> <p>The company did not consider reinsurance in its report. </p> <p>In a note out Friday, CFRA Investment Research wrote that it estimates the property-casualty industry has more than $300 billion in excess capital, based on data through March 31. That excess capital comes from years of lower-than-normal damage from natural disasters and robust inflows from investors seeking returns. </p> <p>CFRA analyst Cathy Seifert wrot that “a shock to the industry, like that from a large scale hurricane -- could provide property-casualty shares with a catalyst” to raise rates. But any large disaster like Harvey carries with it other risks that may offset higher rates, including failures by government agencies in charge of disaster management, and financial woes for reinsurers. </p> <p>On Monday, <a href="/story/goldman-travelers-stocks-exact-40-point-toll-on-dow-industrials-in-early-trade-2017-08-28" class="icon none" >shares in most insurers tumbled</a>. Travelers Companies Inc.

                            
                            
                                  
      
      
      
      
      
      
      
                                  
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                                          was down 2.7%, MetLife Inc.

                            
                            
                                  
      
      
      
      
      
      
      
                                  
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                                          slipped 0.5%, and Allstate Corporation

                            
                            
                                  
      
      
      
      
      
      
      
                                  
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                                          was down in midday trading. The iShares U.S. Insurance ETF

                            
                            
                                  
      
      
      
      
      
      
      
                                  
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                                          was down 1%.</p> 

                            
                            
                                  
      
      
      
      
      
      
      
                                  
                            
                            
                                  
      
      
      
      
      
      
      
      


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</div>
  <div class="quote-tip bgDeferredQuote" data-channel="/quotes/zigman/222591/composite" data-bgformat='' id="qt-XNYSStockCNA" data-symb="US:CNA">
    <div class="tip-header">
        <a class="name trackable" href="/investing/stock/cna" data-track-mod="MW_story_hoverquote">CNA Financial Corp.</a>
        <span class="exchange">U.S.: NYSE: CNA</span>
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    <div class="tip-data">
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            <div><span>$</span><span class="bglast">53.60</span></div>
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      <div class="financials">
        <table>
              <tr><td>Volume</td><td>161.9K</td></tr>
              <tr><td>Open</td><td>$53.17</td></tr>
              <tr><td>High</td><td>$54.07</td></tr>
              <tr><td>Low</td><td>$53.06</td></tr>
              <tr><td>P/E Ratio</td><td>16.19</td></tr>
              <tr><td>Div Yield</td><td>2.24</td></tr>
              <tr><td>Market Cap</td><td>14.5B</td></tr>
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              <tr><td>High</td><td>$141.88</td></tr>
              <tr><td>Low</td><td>$140.44</td></tr>
              <tr><td>P/E Ratio</td><td>19.3</td></tr>
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              <tr><td>Market Cap</td><td>38.3B</td></tr>
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              <tr><td>Open</td><td>$65.78</td></tr>
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              <tr><td>P/E Ratio</td><td>0</td></tr>
              <tr><td>Div Yield</td><td>1.95</td></tr>
              <tr><td>Market Cap</td><td>N/A</td></tr>
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