For 30 years, Tokio Marine Highland has been the anchor in the storm, offering unmatched private flood insurance options tailored to your needs. Our decades of experience has propelled us to the forefront of the industry, where we stand as a leading provider of private flood solutions.
As we celebrate this 30-year milestone, we’re not just reflecting on the past — we’re focused on the future and continuing our legacy of delivering insurance excellence. Together, we will continue to build strength and resilience for generations to come.
1995
Norman Heinrich is hired by California-based WNC Insurance Services to open a Private Flood Division. Backed by Lloyd’s and operating under the name WNC SE Insurance Services, Norman capitalizes on opportunities in the private flood market, initially operating the division out of his garage.
1997
WNC SE Insurance Services establishes its first official office in Miami. Norman brings on Thomas Phillips, current vice president of voluntary flood products, as his inaugural hire.
1998
El Nino
El Nino weather events causing unprecedented flooding in mid-October in Southern Texas, resulting in nearly 30 deaths from drowning and more than $1 billion in damages. This climate pattern also caused southeastern Florida to receive twice the typical rainfall that winter, leading to extreme flooding and property damage.2000
WNC launches its first admitted primary residential flood program.
2004
Four hurricanes
Four hurricanes hit the state of Florida in a six-week period: Hurricane Charley on August 13, Hurricane Frances on September 4, Hurricane Ivan on September 16, and Hurricane Jeanne on September 25. These four storms cause more than $50 billion in damage nationwide and affect nearly every part of the state.2005
After nearly a decade of success, Norman and his growing team create a Private Flood Program for one of the world’s top 10 largest insurance carriers.
2005
Hurricane Katrina
Category 5 Hurricane Katrina decimates New Orleans over Labor Day weekend, becoming the costliest natural disaster in U.S. history, and drastically altering the insurance landscape for the state of Louisiana. The storm is responsible for more than 1,800 fatalities, cost nearly $200 billion in damages and leads to increased awareness of the importance of catastrophe risk management.2011
Tokio Marine Kiln purchases 49% of WNC from private equity firm; WNC’s founders purchase the other 51%.
2012
WNC launches the PHLY Commercial Flood Program in partnership with Philadelphia Insurance Company, a Tokio Marine Group company.
2012
Hurricane Sandy
Hurricane Sandy wreaks havoc across 24 states, generating more than $86 billion in damage. The superstorm makes landfall in New Jersey before moving north, causing destruction throughout the eastern seaboard and leading to fatalities in New York, New Jersey, Connecticut and Pennsylvania. The storm also brings Washington D.C. and New York City to a halt, with widespread federal office closures and a two-day shutdown of the New York Stock Exchange.2017
Hurricanes Irma and Harvey
The 2017 hurricane season becomes the most active on record, with 17 named storms, 10 hurricanes and 6 major hurricanes, including two Category 4 hurricanes: Hurricane Irma, which makes landfall in the Florida Keys, and Hurricane Harvey, which causes widespread flooding throughout Houston and leads to a substantial take-up of flood insurance coverage.2018
TMK acquires the remaining 51% of WNC, which is rebranded as Tokio Marine Highland several years later.
2021
Lauren Savage is named president of the TMH Private Flood Division.
2022
Hurricane Ian
Category 5 Hurricane Ian becomes the third costliest weather event in U.S. history and leads to the fourth highest number of flood disaster payouts under the National Flood Insurance Program. The storm causes catastrophic flooding throughout southwestern Florida, the Carolinas, Virginia, Delaware, Pennsylvania and New Jersey.2022
Norman Heinrich is named CEO of Tokio Marine Highland.
2025
TMH celebrates its 30-year milestone in Flood and looks forward to continuing to support its clients in building resilience and navigating future storms together for the next 30 years.
Client Testimonials
Bowood and TMH Flood have been partners for nearly 30 years. During this time, we have seen TMH develop and grow, and their knowledge in the flood market is second to none. Like their underwriting, TMH’s claims service is excellent, and it has been a pleasure to work with TMH as an organization that is very much best-in-class. Strong relationships have been forged over our many years of working together and we look forward to continuing this partnership in the years ahead.
— Mark Hubbard
Director
I have had the pleasure of working with the Tokio Marine Highland Flood Division for the past 25 years, and together we have experienced ups and downs, from securing large policies to handling claims caused by Florida hurricanes. No matter the strength of the storm or the height of the surge, the TMH Flood team has risen to meet each and every challenge. We at RPS look forward to fostering and maintaining this successful relationship for years to come.
— Irma Marino
Area Assistant Vice President
Risk Placement Services
Congratulations on the 30th anniversary. TMH has consistently delivered top-notch underwriting expertise and exceptional customer service. Our partnership began in 2012 and we rely on TMH as a true expert in their field. Perhaps the strongest part of our relationship is the level of communication at every point in the business process. Communication is always open and transparent, as well as detailed and strategic. We look forward to our continued partnership in 2025.
— Neal Schmidt
Vice President
I have worked with T.J., Arnie, Lauren, Tracey and the whole Tokio Marine Highland Flood Team for 15 years, and I am continually impressed with their level of professionalism, service and response time. Looking forward to the next 15 years!
— Nate Gorham
SVP, Flood Underwriter
To learn more about TMH’s Private Flood offerings, click the links below: