HCI Group, Inc.

HCI operates as a holding company engaged primarily in property and casualty insurance, real estate operations, software technology, and reciprocal insurance exchanges. Through its primary business segments, which include insurance operations, reciprocal exchange operations, real estate, and Exzeo Group, the company provides multi-peril homeowners insurance, dwelling fire insurance, and wind-only coverage. In addition to property insurance, the company develops proprietary software applications through Exzeo and manages property investments. The company primarily serves residential property owners, condominium owners, and policyholders seeking catastrophe and weather-related property insurance.

Geographically, the company conducts business across the United States, with insurance subsidiaries domiciled in Florida and operational activities extending to the Southeast and Northeast regions. Its real estate holdings include property investments in Haines City, Florida. The annual report documents domestic operations alongside regional underwriting exposures across multiple storm seasons. The provided text does not identify an exact headquarters location, though its primary regulated insurance operations are located in Florida.

Summary of the business section of HCI's latest annual report, written by StockData.

“Actually paid” adjusts reported pay for changes in the value of equity awards. Shareholder return assumes $100 invested at the start of the measurement period, as disclosed by the company.

“As of December 31, 2025, we employed 594 full-time employees and 12 employees through a professional employer organization, the majority of whom are based in Florida.”