UNITED ~~STATES~~STATESSECURITIES AND EXCHANGE COMMISSIONWASHINGTON, D.C. 20549

SECURITIESFORM AND EXCHANGE COMMISSION8-K

~~WASHINGTON,~~CURRENT ~~D.C. 20549~~REPORT

~~FORM~~Pursuant ~~8-K~~to Section 13 or 15(d) of the Securities Exchange Act of 1934

~~CURRENT~~Date ~~REPORT~~of Report (Date of earliest event reported): August 06, 2025

~~Pursuant~~American toCoastal ~~Section~~Insurance ~~13 or 15(d) of the Securities Exchange Act of 1934~~Corporation

~~Date of report~~ (~~Date~~Exact name of ~~earliest~~Registrant ~~event~~as ~~reported):~~Specified ~~May~~in ~~29,~~Its ~~2025~~ Charter)

American Coastal Insurance Corporation

Delaware

001-35761

75-3241967

(Exact name of registrant as specified in its charter)

(State or Other Jurisdictionof Incorporation)

(Commission File Number)

(IRS EmployerIdentification No.)

Delaware

001-35761

75-3241967

570 Carillon Parkway, Suite 100

(State or other jurisdiction of incorporation)

(Commission File Number)

(IRS Employer Identification No.)

St. Petersburg, Florida

33716

570 Carillon Parkway, Suite 100

33716

(Address of Principal Executive Offices)

(Zip Code)

Saint Petersburg,

(Address of principal executive offices)

(Zip Code)

(727)

633-0851

(Registrant's telephone number, including area code)

(Former name or former address, if changed since last report.)

~~Check~~Registrant’s ~~the~~Telephone ~~appropriate~~Number, ~~box~~Including ~~below~~Area ifCode: ~~the~~(727) ~~Form 8~~633-~~K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:~~0851

☐(Former ~~Written~~Name ~~communications~~or ~~pursuant~~Former toAddress, ~~Rule~~if ~~425~~Changed ~~under~~Since ~~the~~Last ~~Securities Act (17 CFR 230.425~~Report)

☐Check ~~Soliciting~~the ~~material~~appropriate ~~pursuant~~box tobelow ~~Rule~~if ~~14a~~the Form 8-12K ~~under~~filing is intended to simultaneously satisfy the ~~Exchange~~filing ~~Act~~obligation ~~(17~~of ~~CFR~~the ~~240.14a-12)~~registrant under any of the following provisions:

☐Written ~~Pre-commencement~~ communications pursuant to Rule ~~14d-2(b)~~425 under the ~~Exchange~~Securities Act (17 CFR ~~240~~230.~~14d-2(b~~425))

☐Soliciting ~~Pre-commencement~~material ~~communications~~ pursuant to Rule ~~13e~~14a-~~4(c)~~12 under the Exchange Act (17 CFR 240.~~13e~~14a-~~4(c~~12))

~~Securities~~☐Pre-commencement ~~registered~~communications pursuant to ~~Section~~Rule 1214d-2(b) ofunder the Exchange Act: (17 CFR 240.14d-2(b))

Title of Each Class			Trading Symbol(s)			Name of Each Exchange on Which Registered
Common stock, $0.0001 par value per share			ACIC			Nasdaq Stock Market LLC

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

~~Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the~~ Securities ~~Act~~registered ofpursuant ~~1933~~to ~~(§230.405~~Section ~~of this chapter~~12(b) ~~or Rule 12b-2~~ of the ~~Securities Exchange~~ Act ~~of 1934 (§240.12b-2 of this chapter).~~:

Emerging growth company ☐


Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, $0.0001 par value per share	ACIC	The Nasdaq Stock Market LLC

IfIndicate ~~an emerging growth company, indicate~~ by check mark ifwhether the registrant ~~has~~is ~~elected~~an toemerging ~~use~~growth ~~the~~company ~~extended~~as ~~transition~~defined ~~period~~in ~~for~~Rule ~~complying~~405 ~~with~~of ~~any~~the ~~new~~Securities orAct ~~revised~~of ~~financial~~1933 ~~accounting~~(§ 230.405 ~~standards~~of ~~provided~~this ~~pursuant~~chapter) toor ~~Section~~Rule ~~13(a)~~12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 ☐of this chapter).

~~Item~~Emerging ~~8.01: Other~~growth ~~Events.~~company ☐

~~Effective~~If ~~June~~an 1,emerging ~~2025~~growth company, ~~American~~indicate ~~Coastal~~by ~~Insurance~~check ~~Corp.~~mark ~~(ACIC),~~if ~~through~~the ~~its~~registrant ~~insurance~~has ~~subsidiary~~elected ~~American~~not ~~Coastal~~to ~~Insurance~~use ~~Company~~the ~~(AmCoastal),~~extended ~~renewed~~transition ~~its~~period ~~core~~for ~~catastrophe~~complying ~~reinsurance~~with ~~program~~any ~~(Core~~new ~~CAT).~~or ~~Highlights~~revised ~~include~~financial accounting standards provided pursuant to Section 13(a) of the ~~following:~~Exchange Act. ☐

•ForItem 2025/26, ACIC purchased approximately $12.67602 billionResults of occurrence-basedOperations limitand inFinancial the aggregate, an increase of $62Condition.4 million, or 3.9%, from the $1.614 billion of occurrence-based limit in the aggregate purchased for the 2024/25 Core CAT program.

~~◦Perils~~On ~~covered~~August ~~include~~6, ~~windstorms~~2025, ~~named~~American orCoastal ~~numbered~~Insurance byCorporation (the ~~National~~Company, ~~Hurricane~~we, ~~Center~~our) ~~exposure~~issued ofa ~~ACIC~~press inrelease ~~Florida.~~relating ~~Separately,~~to ~~ACIC~~our ~~placed~~earnings anfor ~~all-other~~the ~~perils~~second ~~catastrophe~~quarter ~~excess~~ended ofJune ~~loss program on January 1~~30, 2025, a(the ~~catastrophe~~Earnings ~~aggregate~~Release). ~~excess~~We ofhave ~~loss~~attached ~~program~~a oncopy ~~January~~of 1,the ~~2025,~~Earnings ~~and~~Release anas ~~automatic~~Exhibit ~~facultative program for non-catastrophe losses effective February~~ 99.1~~, 2025~~.

◦Occurrence-basedItem structure with estimated first event limit of $17.3301 billion,Regulation anFD increase of $68Disclosure.4 million, or 5.4%, from the 2024/25 Core CAT program.

~~◦Sufficient~~The ~~coverage~~executive ~~for~~officers ~~approximately~~of athe ~~1-in-201-year~~Company ~~event;~~intend ~~and~~to inuse ~~excess~~the ofmaterials afiled 1-herewith, in~~-100-year~~ ~~event~~whole ~~followed~~or byin apart, 1-in~~-50-year~~ ~~event~~one inor more meetings with investors and analysts, beginning on August 6, 2025. A copy of the ~~same~~Earnings ~~season~~presentation is attached hereto as Exhibit 99.2.

~~◦First~~The ~~event~~information ~~retention~~furnished ofunder upthis toItem ~~$29~~2.7502 ~~million~~and ~~(12~~7.6%01, ofincluding ~~stockholders’~~Exhibit ~~equity~~99.1 asand ofExhibit ~~December~~99.2 ~~31,~~attached ~~2024)~~hereto, ~~with~~shall ~~$14.0~~not ~~million~~be ~~retained~~deemed by“filed” ~~AmCoastal~~for ~~and~~purposes ~~$15.75~~of ~~million~~Section ~~retained~~18 byof ~~our~~the ~~captive~~Securities Act of 1934, annor ~~increase~~shall ofit ~~$9.25~~be ~~million~~deemed ~~from~~incorporated ~~the~~by ~~$20.5~~reference ~~million~~in ~~(12.2%~~any filing under the Securities Act of ~~stockholders’~~1933, ~~equity~~except as ofshall ~~December~~be ~~31,~~expressly ~~2023)~~set inforth ~~the~~by ~~2024/25~~specific ~~Core~~reference ~~CAT~~to ~~program~~such filing.

◦SecondItem event retention of up to $18.5 million (7.9% of stockholders’ equity as of December 31, 2024) assuming a 1-in-100-year event followed by a 1-in-50-year event in the same season, up $5.501 millionFinancial fromStatements $13and million (7Exhibits.7% of stockholders’ equity as of December 31, 2023) in the 2024/25 Core CAT program.

◦For the Florida Hurricane Catastrophe Fund (FHCF) Reimbursement Contract effective June 1, 2025, ACIC elected 90% coverage. The total mandatory FHCF layer is projected to provide approximately $534.1 million of total Florida-only coverage attaching at $299.9 million and exhausting at $834.0 million, which inures to the benefit of the open market catastrophe reinsurance program.




Exhibit No.		Description
99.1		Earnings release issued by the Company on August 6, 2025
99.2		Earnings presentation issued by the Company on August 6, 2025
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

◦Placed an external quota share at a 15.0% cession rate with an unaffiliated reinsurer holding an AM Best rating of A+ providing coverage for all catastrophe perils and attritional losses, subject to defined occurrence and aggregate limitations.SIGNATURES

~~◦Excluding~~Pursuant ~~the~~to ~~unaffiliated 15.0% quota share,~~ the ~~total~~requirements ~~provisional, subject to change based on actual exposure at September 30, 2025, cost~~ of ~~ACIC’s~~the ~~2025/26~~Securities ~~catastrophe~~Exchange ~~excess~~Act of ~~loss reinsurance programs~~1934, ~~excluding~~the ~~potential~~registrant ~~reinstatement~~has ~~premium,~~duly iscaused ~~approximately~~this ~~$201.85~~report ~~million,~~to abe ~~risk-adjusted~~signed ~~open~~on ~~market~~its ~~rate~~behalf ~~decrease~~by ~~of (12.2)% from~~ the ~~2024/25~~undersigned ~~Core~~hereunto ~~CAT~~duly ~~program~~authorized.

◦The maximum reinstatement/additional premium exposure, assuming all layers that reinstate are exhausted from a first event, is $5.9 million, a decrease of $(10.5) million, or (64.0)% from the 2024/25 Core CAT Program.


			AMERICAN COASTAL INSURANCE CORPORATION

Date:	August 6, 2025	By:	/s/ B. Bradford Martz
			B. Bradford Martz, President & Chief Executive Officer

Signature

Pursuant to the requirements of the Securities Exchange Act of 1934, the Company has duly caused this report to be signed on its behalf by the undersigned thereunder duly authorized.

		AMERICAN COASTAL INSURANCE CORPORATION
May 29, 2025	By:	/s/ B. Bradford Martz
		B. Bradford Martz, President & Chief Executive Officer

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