American Commerce Insurance Company
FEMA Write-Your-Own (WYO) flood insurance carrier
NFIP node 6243
Carrier directory fields
All fields RECORDED verbatim from FEMA's WYO carrier directory . This is a directory listing — not a financial rating, claims study, or price quote.
| Field | Value | Warrant |
|---|---|---|
| Company name | American Commerce Insurance Company | RECORDED |
| NFIP node ID | 6243 | RECORDED |
| Website | https://www.mapfreinsurance.com | RECORDED |
| Subsidiaries | Citation Insurance Company, The Commerce Insurance Company, Commerce West Insurance Company, Mapfre Insurance Company, Mapfre Insurance Company of Florida | RECORDED |
| Service states | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY | RECORDED |
Frequently asked questions
- Does American Commerce Insurance Company offer NFIP flood insurance?
- Yes — FEMA's Write-Your-Own (WYO) carrier directory lists American Commerce Insurance Company (NFIP node 6243) as an authorized WYO carrier. WYO carriers sell and service National Flood Insurance Program policies under their own brand, with policies backed by the federal government. Contact American Commerce Insurance Company directly or visit https://www.mapfreinsurance.com to confirm current availability.
- How do I contact American Commerce Insurance Company about flood insurance?
- FEMA lists the following contact information for American Commerce Insurance Company: Website: https://www.mapfreinsurance.com. You can also find flood insurance agents in your area at FloodSmart.gov.
- Which states does American Commerce Insurance Company serve for flood insurance?
- FEMA's WYO directory records AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY as the service area for American Commerce Insurance Company's WYO flood program. Verify current availability in your specific state and county directly with the carrier or through a licensed flood insurance agent.
- What is a FEMA Write-Your-Own (WYO) flood carrier?
- WYO carriers are private insurance companies authorized by FEMA to sell and administer National Flood Insurance Program (NFIP) policies. The policies are federally backed — the carrier handles customer service and claims processing, but the federal government absorbs the insurance risk. Not all private flood insurance is through the NFIP/WYO program; some carriers also offer private flood coverage outside the WYO framework.
What this is — and isn't
This is a verbatim contact record from FEMA's WYO carrier directory. It confirms that American Commerce Insurance Company is authorized to sell NFIP flood insurance through the Write-Your-Own program. It is NOT a financial strength rating, a claims history, a price quote, or a guarantee of availability in every ZIP code. WYO carrier participation can change — verify current status at FloodSmart.gov or through a licensed flood insurance agent.
Source: FEMA WYO carrier directory (fema.gov/flood-insurance/work-with-nfip/wyo-program). CC0.
Structured facts: /coverage/flood-carriers/6243.jsonld