AMERICAN COASTAL INSURANCE (ACIC) 8-K Entry into a Material Definitive Agreement

Exhibit 12.1

United Insurance Holdings Corp.

Computation of Ratio of Earnings to Fixed Charges

(in thousands, except ratios)

Includes realized gains and losses	For the Nine Months Ended September 30,			For the Year Ended December 31,
	2017			2016		2015		2014		2013		2012
Earnings before income taxes	$	(26,899	)	$	7,003	$	41,860	$	64,410	$	34,487	$	15,714
Fixed charges:
Interest expensed and capitalized		2,282			723		326		410		367		355
Amortized premiums, discounts and capitalized expenses related to debt		—			—		—		—		—		—
Interest within rental expense		14			16		74		63		56		39
Total fixed charges	$	2,296		$	739	$	400	$	473	$	423	$	394
Earnings before income taxes and fixed charges	$	(24,603	)	$	7,742	$	42,260	$	64,883	$	34,910	$	16,108
Ratio of earnings to fixed charges		—	(1)		10.47		105.71		137.28		82.56		40.89

(1) For the nine months ended September 30, 2017, earnings were insufficient to cover fixed charges by $27.0 million.

For purposes of calculating these ratios, earnings consist of pre-tax income from continuing operations and fixed charges. Fixed charges consist of interest expensed and capitalized; amortized premiums, discounts and capitalized expenses related to debt; and estimated interest within rental expense.

We did not have any preferred stock outstanding and we did not pay or accrue any preferred stock dividends during the periods presented above.