UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities and Exchange Act of 1934

Date of Report (or Date of Earliest Event Reported): ~~September~~October 2516, 2025

HCI Group, Inc.

(Exact Name of Registrant as Specified in Its Charter)



Florida	001-34126	20-5961396
(State or Other Jurisdiction of Incorporation or Organization)	(Commission File Number)	(I.R.S. Employer Identification Number)

3802 Coconut Palm Drive

Tampa, Florida 33619

(Address of Principal Executive Offices)

(813) 405-3600

(Telephone Number, Including Area Code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):


☐	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)


☐	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)


☐	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))


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

Securities registered pursuant to Section 12(b) of the Act:


Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, no par value	HCI	New York Stock Exchange

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

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 72.0102 ~~Regulation~~Results FDof ~~Disclosure~~Operations and Financial Condition

On ~~September~~October 2516, 2025, ~~we released a press release announcing that~~ our majority -owned subsidiary, Exzeo Group, Inc. (“Exzeo”), ~~has~~filed ~~publicly~~with ~~filed~~the aSecurities and Exchange Commission an amendment to its registration statement on Form S-1 ~~with~~ (the U“Exzeo Registration Statement”).S. ~~Securities~~The Exzeo Registration Statement included Exzeo’s preliminary estimated revenue and ~~Exchange~~net ~~Commission~~income (after tax for the ~~“SEC”)~~three inand ~~connection~~nine ~~with~~months ~~the~~ended ~~proposed~~September ~~initial~~30, ~~public~~2025. ~~offering~~Based ofupon preliminary estimated financial results, Exzeo’s ~~common~~currently ~~stock.~~expects ~~The~~unaudited ~~number~~revenue ofwill ~~shares~~be between $53.5 million to be$56.8 ~~offered~~million and ~~the~~$162.0 ~~price~~million ~~range~~to $165.3 million for the ~~proposed~~three ~~offering~~and ~~have~~nine ~~not~~months ~~yet~~ended ~~been~~September ~~determined~~30, 2025, respectively. Exzeo ~~The~~also ~~offering~~currently isexpects ~~subject~~that tounaudited ~~market~~net ~~conditions,~~income ~~and~~after ~~there~~tax ~~can~~will be nobetween ~~assurance~~$20.1 asmillion to ~~whether~~$22.2 ormillion ~~when~~and ~~the~~$59.7 ~~offering~~million ~~may~~to be$61.8 ~~completed~~million orfor asthe tothree ~~the~~and ~~actual~~nine ~~size~~months orended ~~terms~~September of30, ~~the~~2025, ~~offering~~respectively.

~~Truist~~The ~~Securities,~~unaudited ~~Citizens~~preliminary ~~Capital~~financial ~~Markets~~results for the three and ~~William~~nine ~~Blair~~months ended September 30, 2025 reflect Exzeo’s preliminary estimates with respect to such results based on currently available information and are ~~acting~~subject asto ~~joint~~completion ~~book-running~~of ~~managers~~its financial closing procedures. Exzeo’s financial closing procedures for the three and ~~Fifth~~nine ~~Third~~months ~~Securities~~ended isSeptember ~~acting~~30, 2025 are not yet complete and, as a ~~co-manager~~result, ~~for~~its actual results may vary from the ~~proposed~~estimated ~~offering.~~preliminary results presented here.

The ~~proposed~~preliminary ~~offering~~estimates ~~will~~presented beherein ~~made~~have ~~only~~been prepared by, ~~means~~and ofare athe ~~prospectus.~~responsibility ~~Copies~~ of, ~~the~~management. ~~preliminary~~Forvis ~~prospectus~~Mazars, ~~when available~~LLP, ~~may~~Exzeo’s beindependent ~~obtained~~registered ~~from:~~public ~~Truist~~accounting ~~Securities~~firm, ~~Inc.,~~has ~~740~~not ~~Battery Ave SE~~audited, ~~3rd Floor~~reviewed, ~~Atlanta~~compiled, ~~GA 30339, Attention: Prospectus Department,~~ or byperformed ~~email~~any atprocedures ~~truistsecurities.prospectus@truist.com;~~with ~~Citizens~~respect ~~Capital~~to ~~Markets,~~the 28preliminary ~~State~~financial ~~Street,~~information. ~~Boston~~Accordingly, MAForvis ~~02109; and William Blair & Company~~Mazars, ~~LLC,~~LLP ~~150~~does ~~North~~not ~~Riverside~~express ~~Plaza,~~an ~~Chicago,~~opinion ~~Illinois~~or ~~60606,~~any ~~Attention:~~other ~~Prospectus~~form ~~Department,~~of orassurance bywith ~~email~~respect ~~at prospectus@williamblair~~thereto.~~com.~~

AThe ~~registration~~information ~~statement~~contained onin ~~Form~~this ~~S-1~~Item ~~relating~~2.02 tois ~~these~~being ~~securities~~furnished ~~has~~and ~~been~~shall ~~filed with the SEC but has~~ not ~~yet become effective. These securities may not~~ be ~~sold,~~deemed ~~nor~~“filed” ~~may~~for ~~offers~~purposes toof ~~buy~~Section be18 ~~accepted,~~of ~~prior to~~ the ~~time~~Securities ~~the~~Exchange ~~registration~~Act ~~statement~~of ~~becomes~~1934, ~~effective.~~as ~~This~~amended ~~Current Report on Form 8-K and~~ (the ~~press~~“Exchange ~~release~~Act”), ~~does~~or ~~not~~otherwise ~~constitute~~subject ~~an offer~~ to ~~sell or~~ the ~~solicitation~~liabilities ofunder anthat ~~offer to buy these securities~~section, ~~nor~~or ~~shall~~incorporated ~~there~~by bereference ~~any sale of these securities~~ in any ~~state~~filing orunder ~~jurisdiction~~the inSecurities ~~which~~Act ~~such~~of ~~offer~~1933, ~~solicitation~~as amended, or ~~sale~~the ~~would~~Exchange beAct, ~~unlawful~~except ~~prior~~as toshall ~~registration~~be orexpressly ~~qualification~~set ~~under~~forth ~~the~~by ~~securities~~specific ~~laws~~reference ofin ~~any~~ such ~~state~~a ~~or jurisdiction~~filing.

~~Our earnings release appears as Exhibit 99.1 to this form 8~~Forward-KLooking Statements

~~Item~~This 9Current Report on Form 8-K may contain forward-looking statements made pursuant to the Private Securities Litigation Reform Act of 1995.01 These ~~Financial~~statements ~~Statements~~may relate, among other things, to expectations regarding Exzeo’s estimated financial results for the three and ~~Exhibits~~nine months ended September 30, 2025. Words such as "anticipate," "estimate," "expect," "intend," "plan," "confident," "prospects" and "project" and other similar words and expressions are intended to signify forward-looking statements. Forward-looking statements are not guarantees of future results and conditions, but rather are subject to various risks and uncertainties. Some of these risks and uncertainties are identified in the company's filings with the Securities and Exchange Commission. Should any risks or uncertainties develop into actual events, these developments could have material adverse effects on the company's business, financial condition and results of operations. HCI Group, Inc. disclaims all obligations to update any forward-looking statements.

Exhibit 99.1 Press Release

Exhibit 104 Cover Page Interactive Data File - the cover page XBRL tags are embedded within the Inline XBRL document.

SIGNATURE

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

Date: ~~September~~October 2516, 2025.



HCI GROUP, INC.

By:		/s/ Andrew L. Graham
		Andrew L. Graham General Counsel

Filing Compare · HCI Group, Inc.