Sec Form 4 Filing - Castle Svetlana @ AMERICAN COASTAL INSURANCE Corp - 2025-04-03

FORM 4 Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person Castle Svetlana 2. Issuer Name and Ticker or Trading Symbol AMERICAN COASTAL INSURANCE Corp [ ACIC] 5. Relationship of Reporting Person(s) to Issuer (Check all applicable) _____ Director _____ 10% Owner X __ Officer (give title below) _____ Other (specify below) Chief Financial Officer (Last) (First) (Middle) 570 CARILLON PARKWAY, SUITE 100 3. Date of Earliest Transaction (MM/DD/YY) 04/03/2025 (Street) SAINT PETERSBURG, FL33716 4. If Amendment, Date Original Filed (MM/DD/YY) 6. Individual or Joint/Group Filing (Check Applicable Line) __ X __ Form filed by One Reporting Person _____ Form filed by More than One Reporting Person (City) (State) (Zip)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned 1.Title of Security (Instr. 3) 2. Transaction Date (MM/DD/YY) 2A. Deemed Execution Date, if any (MM/DD/YY) 3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4) Code V Amount (A) or (D) Price Common Stock 04/03/2025 M 9,213 A $ 0 9,213 D Common Stock 04/03/2025 F 4,012 D $ 11.08 5,201 D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned ( e.g. , puts, calls, warrants, options, convertible securities) 1. Title of Derivative Security (Instr. 3) 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (MM/DD/YY) 3A. Deemed Execution Date, if any (MM/DD/YY) 4. Transaction Code (Instr. 8) 5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4, and 5) 6. Date Exercisable and Expiration Date (MM/DD/YY) 7. Title and Amount of Underlying Securities (Instr. 3 and 4) 8. Price of Derivative Security (Instr. 5) 9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4) 10. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4) Code V (A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares Performance Stock Units ( 1 ) 04/03/2025 M 4,419 ( 2 ) ( 3 ) Common Stock 4,419 $ 0 8,840 D Restricted Stock Units ( 1 ) 04/03/2025 M 2,209 ( 4 ) ( 4 ) Common Stock 2,209 $ 0 4,421 ( 5 ) D Dividend Equivalent Units ( 1 ) 04/03/2025 M 94 ( 6 ) ( 6 ) Common Stock 94 $ 11.85 186 ( 5 ) D Dividend Equivalent Units ( 1 ) 04/03/2025 M 187 ( 7 ) ( 7 ) Common Stock 187 $ 11.85 372 D

Reporting Owners Reporting Owner Name / Address Relationships Director 10% Owner Officer Other Castle Svetlana 570 CARILLON PARKWAY, SUITE 100 SAINT PETERSBURG, FL33716 Chief Financial Officer Signatures /s/ Alexander Baty, Attorney-in-Fact for Svetlana Castle 04/07/2025 Signature of Reporting Person Date

Explanation of Responses:

( 1 )Each stock unit represents a conditional right to receive one share of the company's common stock. ( 2 )The performance units are subject to vesting over three years with one third, rounded down to the nearest whole share of stock, vesting in each period. ( 3 )The number of shares of common stock that will be delivered for each performance stock unit depends on the achievement of certain performance factors. Depending on actual performance, the number of shares of common stock delivered upon the vesting date (based on the terms outlined in the respective award agreement) can range from 0% to 150% of the number presented above. ( 4 )The restricted stock units are subject to vesting over three years with one third, rounded down to the nearest whole share of stock, vesting in each period. ( 5 )280 Dividend Equivalent Units previously reported as Restricted Stock Units, based on the underlying unit they related to. Reclassified as Dividend Equivalent Units to enhance visibility. ( 6 )The dividend equivalent units will vest proportionately with the underlying restricted stock units to which they relate. ( 7 )The dividend equivalent units will vest proportionately with the underlying performance stock units to which they relate.

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.

* If the form is filed by more than one reporting person, see Instruction 4(b)(v).

** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).

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