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In 2006 after being fed up with significant property insurance price hikes caused by devastating storms in Florida, four men started a property and casualty insurance company. In the eight years since, the usually hurricane-prone Sunshine State hasn’t since been hit with a major hurricane and as a result, residents are filing fewer claims. Last year, HCI Group saw $241 million in revenue. With 163,000 policyholders as of January 1, the company recently announced plans to purchase Florida-based insurer Prepared Holdings LLC, which provides coverage to 21,500 policyholders representing $48 million in annual premiums. —V.G.

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