Flood Insurance: AI Visibility Market Discovery Index

Benchmark Summary

Questions This Section Answers

• Which flood insurance brand led the benchmark in October 2026, and by how much?
• Which brands were classified as the largest significant riser and decliner across the four-month series?

Chubb led the Flood Insurance benchmark in October 2026 with a valid recommendation coverage of 67.2%, ahead of Allstate at 56.8%, a gap of 10.4 percentage points. The month's largest coverage increase was for Allstate, which rose from 46.6% in July 2026 to 56.8% in October 2026, a gain beyond normal month-to-month variation and its third consecutive monthly increase. The largest coverage decline was for Hiscox, which fell from 16.8% in July 2026 to 0.0% in October 2026, a drop beyond normal variation that leaves the brand with no measurable presence.

The benchmark recorded no significant movement in the single month from September 2026, though the four-month series shows clear divergence. Chubb moved from 68.9% in July 2026 to 67.2% in October 2026, a decline within normal variation, having recovered 4.8 percentage points from its September 2026 reading of 62.4%. Allstate was the only brand classified as a significant riser across the series, gaining 10.2 percentage points from July 2026 to October 2026 and increasing in each of the three months since July. By contrast, Aon Edge, FEMA NFIP, and Hiscox were classified as significant decliners over the same period.

The benchmark began with 800 prompt-surface observations in each month and produced 259 qualified observations in October 2026 after qualification.

Current Benchmark at a Glance

Qualified surface breadth counts the canonical AI surface families with at least one qualified observation, which are ChatGPT, Copilot, Gemini, Perplexity, AI Overviews, and AI Mode. September 2026 also recorded a breadth of six, with a recommendation-shaped answer share of 39.6% and a valid recommendation shortlist share of 68.5%.

For the strategic interpretation of this benchmark, read CiteWorks Studio's analysis of How AI Search Is Recommending Flood Insurance

Research Scope and Qualification

The public benchmark is narrower than the raw collection universe by design.

Brand-level percentages use the qualified observations as the public denominator, not the raw collection. For the full qualification and denominator rules, see AI Visibility Market Discovery Methodology.

Current Brand Standings

Questions This Section Answers

• How do the tracked flood insurance brands compare on valid recommendation coverage and top-three rate?
• How can close coverage still hide very different first-position recommendation rates?

How to Read the Standings

• Presence rate is the share of qualified observations where the brand is mentioned at all.
• Valid recommendation coverage is the share of qualified observations where the brand receives a valid recommendation.
• Top-three rate is the share of qualified observations where the brand appears among the top three recommendations.
• Rank-one rate is the share of qualified observations where the brand is the first recommendation.
• Net sentiment is the share of positive mentions minus the share of negative mentions among all mentions.

For formulas and denominator rules, see AI Visibility Market Discovery Metric Definitions.

Recommendation Coverage Movement

Questions This Section Answers

• Which flood insurance brand recorded the largest significant coverage increase, and how consistent was it month to month?
• What happened to Hiscox's recommendation coverage between July and October 2026?

Largest Increase: Allstate

Allstate recorded the largest significant coverage increase in October 2026, rising from 46.6% in July 2026 to 56.8% in October 2026, a gain of 10.2 percentage points beyond normal month-to-month variation. The brand increased its valid recommendation coverage in each of the three months since July 2026, moving from 46.6% to 47.7% in August 2026, to 49.0% in September 2026, and to 56.8% in October 2026. The gain from September 2026 to October 2026 was 7.8 percentage points, within normal variation on its own but part of a consistent upward series. Allstate's presence rate rose from 78.0% in July 2026 to 89.6% in October 2026, also beyond normal variation.

Largest Decline: Hiscox

Hiscox recorded the largest significant coverage decline in October 2026, falling from 16.8% in July 2026 to 0.0% in October 2026, a drop of 16.8 percentage points beyond normal month-to-month variation. The brand was last measured in August 2026 at 15.3% and does not appear in the September 2026 or October 2026 datasets under this brand line. Hiscox Usa, tracked as a separate line in this series, recorded a valid recommendation coverage of 0.4% in October 2026, down from 1.0% in September 2026 and up from 0.0% in July 2026.

Aon Edge and FEMA NFIP were also classified as significant decliners over the series. Aon Edge fell from 11.3% in July 2026 to 5.8% in October 2026, a decline of 5.5 percentage points present in each of the three months since July. FEMA NFIP fell from 7.2% in July 2026 to 3.5% in October 2026, a decline of 3.7 percentage points.

Category Leader: Chubb

Chubb remained the category leader in October 2026 with a valid recommendation coverage of 67.2%, down 1.7 percentage points from 68.9% in July 2026, a decline within normal month-to-month variation. The brand's coverage recovered 4.8 percentage points from its September 2026 reading of 62.4%. Chubb's top-three rate moved from 28.6% in July 2026 to 25.1% in October 2026, and its rank-one rate moved from 4.7% to 2.3% over the same period, both within normal variation.

Recommendation Placement Snapshot

Questions This Section Answers

• Where did Neptune Flood and Allstate rank relative to each other on rank-one placement?
• Which top-three and rank-one placement patterns were stable versus declining between July and October 2026?

Coverage alone does not show how prominently a brand is recommended.

Neptune Flood's top-three rate of 14.7% in October 2026 is higher than Allstate's 12.4%, and its rank-one rate of 10.8% is far higher than Allstate's 2.7%, showing that close coverage can still hide very different first-position rates.

Buyer-Intent Distribution

All qualified observations in the Flood Insurance benchmark fell into the Brand Recommendation class, where users seek a direct recommendation of a flood insurance provider.

The current public series measures brand-recommendation discovery only and does not yet contain qualified observations in the Pricing & Value or Multi-Brand Comparison classes.

Historical Measurement Record

Questions This Section Answers

• Has Chubb led the flood insurance benchmark in every measured month?
• What was the largest coverage movement recorded in each month of the series?

This is an evergreen benchmark URL. New measurements are added to the same report.

Evidence and Source Layer

Questions This Section Answers

• Which source types and domains were most cited across AI platform answers?
• What does citation presence tell us—and not tell us—about the recommendation pattern?

The benchmark is built from prompt-level observations that retain the query, AI/search surface, answer, brand outcome, recommendation placement, sentiment, and, where exposed, citations or attributable evidence sources. Source presence is evidence about the information environment, not proof that the source caused the recommendation.

Scope Boundaries

This public benchmark does not measure:

• Market share or sales attributable to any brand.
• Every possible AI response or surface; it samples six canonical AI/search surface families.
• Organic-search ranking or traditional search engine results.
• Social media mention volume or sentiment outside AI assistant responses.
• Private, enterprise, or sponsored AI channels not part of the public research surface set.
• Causality. A movement in a metric is a recorded change, not by itself an explanation of why the change occurred.

Top 10 Cited Domains

Across all AI platform responses in October 2026, 6,513 citations were observed across 894 unique domains.

No single source dominates the information environment: the leading domain captures 6.3% of citations and the tenth-ranked domain captures 2.1%. Among tracked brands, allstate.com appears in the top 10, cited 173 times across five platform families. Review and comparison sites, including NerdWallet, US News, LendingTree, Insurance.com, Insurify, and PolicyGenius, account for the majority of the most-cited domains, with general search, video, and news sources also present.

About This Benchmark

The LLM Authority Index AI Visibility Market Discovery Index is a neutral, category-level benchmark tracking how AI assistants discover and recommend brands across canonical AI and search surfaces. It is built from prompt-level observations that preserve the full research trail, and it is published monthly as an evergreen industry index.

• AI Visibility Market Discovery Methodology
• AI Visibility Market Discovery Metric Definitions
• AI Visibility Market Discovery Research Standards
• Modeled AI Visibility Authority Value

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