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UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON , D.C. 20549 FORM 10 - K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE FISCAL YEAR ENDED December 31 , 2020 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM ΤΟ Commission File number 000-25001 FedNat Holding Company ( Exact name of registrant as specified in its charter ) Florida ( State or Other Jurisdiction of Incorporation or Organization ) 14050 N.W. 14th Street , Suite 180 , Sunrise , FL ( Address of principal executive offices ) Title of Each Class Common Stock , par value $ 0.01 per share Registrant's telephone number , including area code : 800-293-2532 Securities registered pursuant to Section 12 ( b ) of the Act : Trading Symbol FNHC 65-0248866 ( IRS Employer Identification Number ) Large accelerated filer Non - accelerated filer ☐ 33323 ( Zip Code ) Securities registered pursuant to Section 12 ( g ) of the Act : None Indicate by check mark if the Registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . Yes No p Indicate by check mark if the Registrant is not required to file reports pursuant to Section 13 or Section 15 ( d ) of the Act . Yes No p Indicate by check mark whether the registrant ( 1 ) has filed all reports required to be filed by Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 during the preceding 12 months ( or for such shorter period that the registrant was required to file such reports ) , and ( 2 ) has been subject to such filing requirements for the past 90 days . Yes No Name of Each Exchange on Which Registered NASDAQ Global Market Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S - T ( §232.405 of this chapter ) during the preceding 12 months ( or for such shorter period that the registrant was required to submit such files ) . Yes No Accelerated filer ✔ Smaller reporting company Emerging growth company Indicate by check mark whether the registrant is a large accelerated filer , an accelerated filer , a non - accelerated filer , a smaller reporting company , or an emerging growth company . See the definitions of " large accelerated filer , " " accelerated filer , " " smaller reporting company , " and " emerging growth company " in Rule 12b - 2 of the Exchange Act : 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 . Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under Section 404 ( b ) of the Sarbanes - Oxley Act ( 15 U.S.C. 7262 ( b ) ) by the registered public accounting firm that prepared or issued its audit report Indicate by check mark whether the registrant is a shell company ( as defined in Rule 12b - 2 of the Exchange Act ) . Yes No p The aggregate market value of the Registrant's common stock held by non - affiliates was $ 139,671,662 as of June 30 , 2020 , computed on the basis of the closing sale price of the Registrant's common stock on June 30 , 2020 ( the last business day of the second fiscal quarter ) . As of March 5 , 2021 , the total number of common shares outstanding of Registrant's common stock was 13,717,908 . DOCUMENTS INCORPORATED BY REFERENCE Certain information required by Part III of this Form 10 - K will be incorporated by reference from the Registrant's definitive proxy statement or included in an amendment on Form 10 - K / A that will be filed not later than 120 days after the end of the fiscal year ended December 31 , 2020 .