Risk factors

American Coastal Insurance (ACIC) risk factors

Item 1A of every American Coastal Insurance Corp. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

  • FY2025 10-K risk factors
    32 risks8 new3 dropped9 reworded

    All policies and total insured value are now concentrated in Florida, increasing exposure to its weather, regulatory and economic conditions.

    Filed Mar 09, 2026
  • FY2024 10-K risk factors
    27 risks

    Florida property insurance concentration and catastrophe exposure heavily dominate the risk profile. Exclusive dependence on AmRisc as managing general agent is a core operational vulnerability. Heavy reliance on reinsurance markets directly impacts underwriting capacity and financial results.

    Filed Mar 10, 2025