Risk factors

HCI Group (HCI) risk factors

Item 1A of every HCI Group, Inc. 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.

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  • FY2025 10-K risk factors
    44 risks4 new2 reworded

    Exzeo’s standalone IPO created new conflicts, execution risks, dilution, and potential loss of distributions to HCI.

    Filed Feb 26, 2026
  • FY2024 10-K risk factors
    40 risks

    Florida concentration exposes HCI to localized catastrophic weather and regional regulatory shifts. Reliance on policy assumptions from Citizens and acquisitions drives revenue growth. Real estate and IT investments divert capital and operational resources.

    Filed Feb 28, 2025