HCI Group (NYSE: HCI) is a Florida-based insurance holding company that underwrites homeowners, fire, flood, and allied lines property insurance, primarily in Florida. It makes money by collecting premiums from policyholders and investing the resulting float, supplemented by fee income and technology services revenue from its subsidiary TypTap. The company's core insurance operations focus on policies assumed from Citizens Property Insurance Corporation, Florida's state-backed insurer of last resort, which has historically been its primary source of policy growth. HCI also operates Greencore Construction, a homebuilding subsidiary, and owns real estate assets. The filing is the 10-K for the fiscal year ended December 31, 2025, filed February 26, 2026. Based on the available filing excerpts, specific segment revenue figures, policy counts, and named competitors are not disclosed in the provided text.

Revenue model

Premium income from property and casualty insurance policies, investment income on the float, and technology platform fees from TypTap. Supplementary revenue from homebuilding operations through Greencore Construction.

Products and services

Homeowners insurance, fire insurance, flood insurance, allied lines property insurance, technology-enabled insurance platform (TypTap), homebuilding and construction services (Greencore Construction), real estate holdings.

Customers and end markets

Florida residential property owners; policies sourced in part through assumption from Citizens Property Insurance Corporation.

Value-chain role

Primary property and casualty insurance underwriter and policy issuer; insurance technology platform provider; downstream homebuilder.

Geographic exposure

Primary operations in Florida, as disclosed in the 10-K filed 2026-02-26.

Source: SEC 10-K, filed 2026-02-26

Industry: Fire, Marine & Casualty Insurance Peers: Octave Specialty Group Inc Amerisafe Inc Tiptree Inc Donegal Group Inc Global Indemnity Group LLC Investors Title Co MBIA Inc Progressive Corp Universal Insurance Holdings Inc United Fire Group Inc