<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:019cb4cf-8d85-7e45-8f20-8cc17b0ef931,g:74c8f592-3fb7-4606-ab1b-0b9e1265825a-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:arcroleRef arcroleURI="https://xbrl.org/2023/arcrole/summation-item" xlink:type="simple" xlink:href="https://www.xbrl.org/2023/calculation-1.1.xsd#summation-item"/>
  <link:roleRef roleURI="http://www.unitedfiregroup.com/role/ConsolidatedBalanceSheets" xlink:type="simple" xlink:href="ufcs-20260331.xsd#ConsolidatedBalanceSheets"/>
  <link:calculationLink xlink:role="http://www.unitedfiregroup.com/role/ConsolidatedBalanceSheets" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_019cb4cf-8ecd-7670-b6ff-a79e88c62cea" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Assets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_019cb4cf-8ecd-7be9-806d-405d807f4c59" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019cb4cf-8ecd-7670-b6ff-a79e88c62cea" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet_019cb4cf-8ecd-7be9-806d-405d807f4c59" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrepaidReinsurancePremiums_019cb4cf-8ecd-7de4-acbe-bbe13275824e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PrepaidReinsurancePremiums"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019cb4cf-8ecd-7670-b6ff-a79e88c62cea" xlink:to="loc_us-gaap_PrepaidReinsurancePremiums_019cb4cf-8ecd-7de4-acbe-bbe13275824e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReceivable_019cb4cf-8ecd-7f5e-8c2e-8dcca1ffa980" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxReceivable"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019cb4cf-8ecd-7670-b6ff-a79e88c62cea" xlink:to="loc_us-gaap_IncomeTaxReceivable_019cb4cf-8ecd-7f5e-8c2e-8dcca1ffa980" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedInvestmentIncomeReceivable_019cb4cf-8ecd-760f-9e9c-17ef621d35d7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccruedInvestmentIncomeReceivable"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019cb4cf-8ecd-7670-b6ff-a79e88c62cea" xlink:to="loc_us-gaap_AccruedInvestmentIncomeReceivable_019cb4cf-8ecd-760f-9e9c-17ef621d35d7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Investments_019cb4cf-8ecd-7fd6-a440-d4ff9b9b023a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Investments"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019cb4cf-8ecd-7670-b6ff-a79e88c62cea" xlink:to="loc_us-gaap_Investments_019cb4cf-8ecd-7fd6-a440-d4ff9b9b023a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_019cb4cf-8ecd-7edb-9d96-6a2589e9b925" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019cb4cf-8ecd-7670-b6ff-a79e88c62cea" xlink:to="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_019cb4cf-8ecd-7edb-9d96-6a2589e9b925" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReinsuranceRecoverablesOnPaidAndUnpaidLosses_019cb4cf-8ecd-75a8-b347-812143808248" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReinsuranceRecoverablesOnPaidAndUnpaidLosses"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019cb4cf-8ecd-7670-b6ff-a79e88c62cea" xlink:to="loc_us-gaap_ReinsuranceRecoverablesOnPaidAndUnpaidLosses_019cb4cf-8ecd-75a8-b347-812143808248" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxAssetsNet_019cb4cf-8ecd-7047-a7cb-ff156a27ad1a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredIncomeTaxAssetsNet"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019cb4cf-8ecd-7670-b6ff-a79e88c62cea" xlink:to="loc_us-gaap_DeferredIncomeTaxAssetsNet_019cb4cf-8ecd-7047-a7cb-ff156a27ad1a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_019cb4cf-8ecd-7113-a207-2732e820cdc0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherAssets"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019cb4cf-8ecd-7670-b6ff-a79e88c62cea" xlink:to="loc_us-gaap_OtherAssets_019cb4cf-8ecd-7113-a207-2732e820cdc0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredPolicyAcquisitionCostsAndValueOfBusinessAcquired_019cb4cf-8ecd-7541-b871-129285add39c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredPolicyAcquisitionCostsAndValueOfBusinessAcquired"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019cb4cf-8ecd-7670-b6ff-a79e88c62cea" xlink:to="loc_us-gaap_DeferredPolicyAcquisitionCostsAndValueOfBusinessAcquired_019cb4cf-8ecd-7541-b871-129285add39c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019cb4cf-8ecd-7af3-b013-6193fcd00ed7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:calculationArc order="11" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019cb4cf-8ecd-7670-b6ff-a79e88c62cea" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019cb4cf-8ecd-7af3-b013-6193fcd00ed7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PremiumsReceivableAtCarryingValue_019cb4cf-8ecd-70cf-bc21-6649a3ed3b62" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PremiumsReceivableAtCarryingValue"/>
    <link:calculationArc order="12" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019cb4cf-8ecd-7670-b6ff-a79e88c62cea" xlink:to="loc_us-gaap_PremiumsReceivableAtCarryingValue_019cb4cf-8ecd-70cf-bc21-6649a3ed3b62" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019cb4cf-8ecd-7996-ad7b-f5b09edc0f05" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_019cb4cf-8ecd-7a29-a646-bf7c597c2094" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019cb4cf-8ecd-7996-ad7b-f5b09edc0f05" xlink:to="loc_us-gaap_CommonStockValue_019cb4cf-8ecd-7a29-a646-bf7c597c2094" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapitalCommonStock_019cb4cf-8ecd-72fa-9ea2-3bccb10dfe25" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdditionalPaidInCapitalCommonStock"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019cb4cf-8ecd-7996-ad7b-f5b09edc0f05" xlink:to="loc_us-gaap_AdditionalPaidInCapitalCommonStock_019cb4cf-8ecd-72fa-9ea2-3bccb10dfe25" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_019cb4cf-8ecd-7b69-ab08-d61b0e008a10" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019cb4cf-8ecd-7996-ad7b-f5b09edc0f05" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_019cb4cf-8ecd-7b69-ab08-d61b0e008a10" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019cb4cf-8ecd-72b7-8e1c-506c283a1367" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019cb4cf-8ecd-7996-ad7b-f5b09edc0f05" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019cb4cf-8ecd-72b7-8e1c-506c283a1367" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_019cb4cf-8ecd-7d86-a3d0-6d878f9d1200" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019cb4cf-8ecd-7c16-8896-21cb2d711a29" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Liabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_019cb4cf-8ecd-7d86-a3d0-6d878f9d1200" xlink:to="loc_us-gaap_Liabilities_019cb4cf-8ecd-7c16-8896-21cb2d711a29" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019cb4cf-8ecd-7bd7-a12b-4ed96cfeabeb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_019cb4cf-8ecd-7d86-a3d0-6d878f9d1200" xlink:to="loc_us-gaap_StockholdersEquity_019cb4cf-8ecd-7bd7-a12b-4ed96cfeabeb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Investments_019cb4cf-8ecd-707c-8709-2233a4e618a8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Investments"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLongTermInvestments_019cb4cf-8ecd-73a7-888d-1a253989f973" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherLongTermInvestments"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_019cb4cf-8ecd-707c-8709-2233a4e618a8" xlink:to="loc_us-gaap_OtherLongTermInvestments_019cb4cf-8ecd-73a7-888d-1a253989f973" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019cb4cf-8ecd-7f59-8ac3-161535390c45" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_019cb4cf-8ecd-707c-8709-2233a4e618a8" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019cb4cf-8ecd-7f59-8ac3-161535390c45" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019cb4cf-8ecd-76ef-8dd1-ff02ca9591d3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_019cb4cf-8ecd-707c-8709-2233a4e618a8" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019cb4cf-8ecd-76ef-8dd1-ff02ca9591d3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019cb4cf-8ecd-7df6-abb7-bf180d59f06e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Liabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_019cb4cf-8ecd-75c9-9e65-4798a3730544" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019cb4cf-8ecd-7df6-abb7-bf180d59f06e" xlink:to="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_019cb4cf-8ecd-75c9-9e65-4798a3730544" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnearnedPremiums_019cb4cf-8ecd-776d-bbcc-fcc3f6b51830" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_UnearnedPremiums"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019cb4cf-8ecd-7df6-abb7-bf180d59f06e" xlink:to="loc_us-gaap_UnearnedPremiums_019cb4cf-8ecd-776d-bbcc-fcc3f6b51830" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_ufcs_AccruedExpensesAndOtherLiabilities_019cb4cf-8ecd-7173-bc49-bfcb94189d3f" xlink:href="ufcs-20260331.xsd#ufcs_AccruedExpensesAndOtherLiabilities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019cb4cf-8ecd-7df6-abb7-bf180d59f06e" xlink:to="loc_ufcs_AccruedExpensesAndOtherLiabilities_019cb4cf-8ecd-7173-bc49-bfcb94189d3f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_019cb4cf-8ecd-7b69-8c9d-7ce7aaaa8dbe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebt"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019cb4cf-8ecd-7df6-abb7-bf180d59f06e" xlink:to="loc_us-gaap_LongTermDebt_019cb4cf-8ecd-7b69-8c9d-7ce7aaaa8dbe" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.unitedfiregroup.com/role/ConsolidatedStatementsofIncomeUnaudited" xlink:type="simple" xlink:href="ufcs-20260331.xsd#ConsolidatedStatementsofIncomeUnaudited"/>
  <link:calculationLink xlink:role="http://www.unitedfiregroup.com/role/ConsolidatedStatementsofIncomeUnaudited" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019cb4cf-8ecd-7c17-b4f2-3f657e01222b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019cb4cf-8ecd-74b8-ac21-30c0aad4d96a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_019cb4cf-8ecd-7c17-b4f2-3f657e01222b" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019cb4cf-8ecd-74b8-ac21-30c0aad4d96a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_019cb4cf-8ecd-7980-b08b-b14bf7e7968a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_019cb4cf-8ecd-7c17-b4f2-3f657e01222b" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_019cb4cf-8ecd-7980-b08b-b14bf7e7968a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BenefitsLossesAndExpenses_019cb4cf-8ecd-7a7b-adee-a36aa2cf21c0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BenefitsLossesAndExpenses"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PolicyholderBenefitsAndClaimsIncurredNet_019cb4cf-8ecd-78e4-8223-0422ef6a47b1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PolicyholderBenefitsAndClaimsIncurredNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_019cb4cf-8ecd-7a7b-adee-a36aa2cf21c0" xlink:to="loc_us-gaap_PolicyholderBenefitsAndClaimsIncurredNet_019cb4cf-8ecd-78e4-8223-0422ef6a47b1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherUnderwritingExpense_019cb4cf-8ecd-730a-b51b-d6fc680de56c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherUnderwritingExpense"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_019cb4cf-8ecd-7a7b-adee-a36aa2cf21c0" xlink:to="loc_us-gaap_OtherUnderwritingExpense_019cb4cf-8ecd-730a-b51b-d6fc680de56c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_ufcs_OtherNonunderwritingExpenses_019cb4cf-8ecd-7bda-9f7d-6f7da3bdbd03" xlink:href="ufcs-20260331.xsd#ufcs_OtherNonunderwritingExpenses"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_019cb4cf-8ecd-7a7b-adee-a36aa2cf21c0" xlink:to="loc_ufcs_OtherNonunderwritingExpenses_019cb4cf-8ecd-7bda-9f7d-6f7da3bdbd03" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_ufcs_DeferredPolicyAcquisitionCostAmortizationExpenseAndAmortizationOfValueOfBusinessAcquiredVoba_019cb4cf-8ecd-7705-9cdb-9878f830e9fc" xlink:href="ufcs-20260331.xsd#ufcs_DeferredPolicyAcquisitionCostAmortizationExpenseAndAmortizationOfValueOfBusinessAcquiredVoba"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_019cb4cf-8ecd-7a7b-adee-a36aa2cf21c0" xlink:to="loc_ufcs_DeferredPolicyAcquisitionCostAmortizationExpenseAndAmortizationOfValueOfBusinessAcquiredVoba_019cb4cf-8ecd-7705-9cdb-9878f830e9fc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpense_019cb4cf-8ecd-7dc5-8d10-7e8b7a8b6521" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpense"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_019cb4cf-8ecd-7a7b-adee-a36aa2cf21c0" xlink:to="loc_us-gaap_InterestExpense_019cb4cf-8ecd-7dc5-8d10-7e8b7a8b6521" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019cb4cf-8ecd-7968-9efc-19aec68a9726" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BenefitsLossesAndExpenses_019cb4cf-8ecd-7863-ab87-6df0ce1919d8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BenefitsLossesAndExpenses"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019cb4cf-8ecd-7968-9efc-19aec68a9726" xlink:to="loc_us-gaap_BenefitsLossesAndExpenses_019cb4cf-8ecd-7863-ab87-6df0ce1919d8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_019cb4cf-8ecd-70e1-9f43-6b4b49bc44d5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Revenues"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019cb4cf-8ecd-7968-9efc-19aec68a9726" xlink:to="loc_us-gaap_Revenues_019cb4cf-8ecd-70e1-9f43-6b4b49bc44d5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_019cb4cf-8ecd-77cb-9b1a-7709df37f978" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Revenues"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PremiumsEarnedNet_019cb4cf-8ecd-702a-b18a-d83a2b8f69e0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PremiumsEarnedNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_019cb4cf-8ecd-77cb-9b1a-7709df37f978" xlink:to="loc_us-gaap_PremiumsEarnedNet_019cb4cf-8ecd-702a-b18a-d83a2b8f69e0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetInvestmentIncome_019cb4cf-8ecd-7eff-a9e0-b4e13b41bb33" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetInvestmentIncome"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_019cb4cf-8ecd-77cb-9b1a-7709df37f978" xlink:to="loc_us-gaap_NetInvestmentIncome_019cb4cf-8ecd-7eff-a9e0-b4e13b41bb33" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealizedInvestmentGainsLosses_019cb4cf-8ecd-75cb-898c-a0bd9fb68eac" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RealizedInvestmentGainsLosses"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_019cb4cf-8ecd-77cb-9b1a-7709df37f978" xlink:to="loc_us-gaap_RealizedInvestmentGainsLosses_019cb4cf-8ecd-75cb-898c-a0bd9fb68eac" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherIncome_019cb4cf-8ecd-74dc-91a8-e167f2f9d58d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherIncome"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_019cb4cf-8ecd-77cb-9b1a-7709df37f978" xlink:to="loc_us-gaap_OtherIncome_019cb4cf-8ecd-74dc-91a8-e167f2f9d58d" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.unitedfiregroup.com/role/ConsolidatedStatementsofComprehensiveIncomeUnaudited" xlink:type="simple" xlink:href="ufcs-20260331.xsd#ConsolidatedStatementsofComprehensiveIncomeUnaudited"/>
  <link:calculationLink xlink:role="http://www.unitedfiregroup.com/role/ConsolidatedStatementsofComprehensiveIncomeUnaudited" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_019cb4cf-8ecd-7f8d-b6ba-9169c201b25b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodBeforeTax_019cb4cf-8ecd-7696-9272-32a4681e82a7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodBeforeTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_019cb4cf-8ecd-7f8d-b6ba-9169c201b25b" xlink:to="loc_us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodBeforeTax_019cb4cf-8ecd-7696-9272-32a4681e82a7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodTax_019cb4cf-8ecd-7de3-950b-39d238155987" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReclassificationFromAociCurrentPeriodTax"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_019cb4cf-8ecd-7f8d-b6ba-9169c201b25b" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodTax_019cb4cf-8ecd-7de3-950b-39d238155987" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_019cb4cf-8ecd-732c-9cb6-b4b02acc7f10" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsBeforeTax_019cb4cf-8ecd-7c2f-b1f6-3d5d79685ea5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsBeforeTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_019cb4cf-8ecd-732c-9cb6-b4b02acc7f10" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsBeforeTax_019cb4cf-8ecd-7c2f-b1f6-3d5d79685ea5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsTax_019cb4cf-8ecd-7bbc-b210-1e72b2c80ac2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsTax"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_019cb4cf-8ecd-732c-9cb6-b4b02acc7f10" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsTax_019cb4cf-8ecd-7bbc-b210-1e72b2c80ac2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsBeforeTax_019cb4cf-8ecd-74e0-ae84-8af024b0019d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsBeforeTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax_019cb4cf-8ecd-7672-a6e5-9c8d28c12a2a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsBeforeTax_019cb4cf-8ecd-74e0-ae84-8af024b0019d" xlink:to="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax_019cb4cf-8ecd-7672-a6e5-9c8d28c12a2a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsAndTax_019cb4cf-8ecd-75a2-9b72-6ae049708877" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsAndTax"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsBeforeTax_019cb4cf-8ecd-74e0-ae84-8af024b0019d" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsAndTax_019cb4cf-8ecd-75a2-9b72-6ae049708877" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationGainLossBeforeReclassificationAndTax_019cb4cf-8ecd-7817-8523-2d1c9efaddfe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationGainLossBeforeReclassificationAndTax"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsBeforeTax_019cb4cf-8ecd-74e0-ae84-8af024b0019d" xlink:to="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationGainLossBeforeReclassificationAndTax_019cb4cf-8ecd-7817-8523-2d1c9efaddfe" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax_019cb4cf-8ecd-7e4f-aa2d-2ab0b3f13ff0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ComprehensiveIncomeNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019cb4cf-8ecd-7bb4-a79d-355a6b386820" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_019cb4cf-8ecd-7e4f-aa2d-2ab0b3f13ff0" xlink:to="loc_us-gaap_NetIncomeLoss_019cb4cf-8ecd-7bb4-a79d-355a6b386820" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_019cb4cf-8ecd-749e-9638-6274f04386e8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_019cb4cf-8ecd-7e4f-aa2d-2ab0b3f13ff0" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_019cb4cf-8ecd-749e-9638-6274f04386e8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_019cb4cf-8ecd-7d70-a32e-7fc9099b02f0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_019cb4cf-8ecd-7e4f-aa2d-2ab0b3f13ff0" xlink:to="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_019cb4cf-8ecd-7d70-a32e-7fc9099b02f0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodBeforeTax_019cb4cf-8ecd-7047-b908-47c86f61bb06" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodBeforeTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax_019cb4cf-8ecd-72e9-bf43-92627e605b09" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodBeforeTax_019cb4cf-8ecd-7047-b908-47c86f61bb06" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax_019cb4cf-8ecd-72e9-bf43-92627e605b09" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.unitedfiregroup.com/role/ConsolidatedStatementsofCashFlowsUnaudited" xlink:type="simple" xlink:href="ufcs-20260331.xsd#ConsolidatedStatementsofCashFlowsUnaudited"/>
  <link:calculationLink xlink:role="http://www.unitedfiregroup.com/role/ConsolidatedStatementsofCashFlowsUnaudited" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019cb4cf-8ecd-7e1f-932a-4c92731f22dd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_019cb4cf-8ecd-796b-a74b-03643fa6a2fb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019cb4cf-8ecd-7e1f-932a-4c92731f22dd" xlink:to="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_019cb4cf-8ecd-796b-a74b-03643fa6a2fb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_019cb4cf-8ecd-7dd8-b8c8-bfe79a014ab7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019cb4cf-8ecd-7e1f-932a-4c92731f22dd" xlink:to="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_019cb4cf-8ecd-7dd8-b8c8-bfe79a014ab7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_019cb4cf-8ecd-728d-ad23-a4f68e9bfccc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019cb4cf-8ecd-7e1f-932a-4c92731f22dd" xlink:to="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_019cb4cf-8ecd-728d-ad23-a4f68e9bfccc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireOtherInvestments_019cb4cf-8ecd-78aa-b92e-9a6422018040" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquireOtherInvestments"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019cb4cf-8ecd-7e1f-932a-4c92731f22dd" xlink:to="loc_us-gaap_PaymentsToAcquireOtherInvestments_019cb4cf-8ecd-78aa-b92e-9a6422018040" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleAndMaturityOfOtherInvestments_019cb4cf-8ecd-78d9-b2a4-ddfec640e9fd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromSaleAndMaturityOfOtherInvestments"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019cb4cf-8ecd-7e1f-932a-4c92731f22dd" xlink:to="loc_us-gaap_ProceedsFromSaleAndMaturityOfOtherInvestments_019cb4cf-8ecd-78d9-b2a4-ddfec640e9fd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForProceedsFromProductiveAssets_019cb4cf-8ecd-7a87-a102-44b51d6fcfe2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsForProceedsFromProductiveAssets"/>
    <link:calculationArc order="6" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019cb4cf-8ecd-7e1f-932a-4c92731f22dd" xlink:to="loc_us-gaap_PaymentsForProceedsFromProductiveAssets_019cb4cf-8ecd-7a87-a102-44b51d6fcfe2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019cb4cf-8ecd-7c56-a045-18641a620bf9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfCommonStock_019cb4cf-8ecd-712b-b0dd-2cde6070a615" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromIssuanceOfCommonStock"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019cb4cf-8ecd-7c56-a045-18641a620bf9" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfCommonStock_019cb4cf-8ecd-712b-b0dd-2cde6070a615" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividends_019cb4cf-8ecd-7fc6-9af9-b2210b201c55" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsOfDividends"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019cb4cf-8ecd-7c56-a045-18641a620bf9" xlink:to="loc_us-gaap_PaymentsOfDividends_019cb4cf-8ecd-7fc6-9af9-b2210b201c55" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cb4cf-8ecd-7365-9d32-60607140b0ea" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_019df0f6-ca9d-7b2e-8823-d74bb025a77e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cb4cf-8ecd-7365-9d32-60607140b0ea" xlink:to="loc_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_019df0f6-ca9d-7b2e-8823-d74bb025a77e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationDepletionAndAmortization_019df0f6-ca9d-763f-b36e-d5ce9cba0d84" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepreciationDepletionAndAmortization"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cb4cf-8ecd-7365-9d32-60607140b0ea" xlink:to="loc_us-gaap_DepreciationDepletionAndAmortization_019df0f6-ca9d-763f-b36e-d5ce9cba0d84" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation_019df0f6-ca9d-79d0-ad9a-9618b9ba2b62" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensation"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cb4cf-8ecd-7365-9d32-60607140b0ea" xlink:to="loc_us-gaap_ShareBasedCompensation_019df0f6-ca9d-79d0-ad9a-9618b9ba2b62" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnInvestments_019df0f6-ca9d-7994-a3e0-05f572bf6606" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GainLossOnInvestments"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cb4cf-8ecd-7365-9d32-60607140b0ea" xlink:to="loc_us-gaap_GainLossOnInvestments_019df0f6-ca9d-7994-a3e0-05f572bf6606" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_019df0f6-ca9d-7c04-8530-3e0f3c4c8d40" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cb4cf-8ecd-7365-9d32-60607140b0ea" xlink:to="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_019df0f6-ca9d-7c04-8530-3e0f3c4c8d40" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable_019df0f6-ca9d-7b0e-8525-41cc40af492f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable"/>
    <link:calculationArc order="6" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cb4cf-8ecd-7365-9d32-60607140b0ea" xlink:to="loc_us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable_019df0f6-ca9d-7b0e-8525-41cc40af492f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInPremiumsReceivable_019df0f6-ca9d-7718-8692-5804b7951644" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInPremiumsReceivable"/>
    <link:calculationArc order="7" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cb4cf-8ecd-7365-9d32-60607140b0ea" xlink:to="loc_us-gaap_IncreaseDecreaseInPremiumsReceivable_019df0f6-ca9d-7718-8692-5804b7951644" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_ufcs_IncreaseDecreaseInDeferredPolicyAcquisitionCostAndValueOfBusinessAcquired_019df0f6-ca9d-720f-8418-98cf7176ad43" xlink:href="ufcs-20260331.xsd#ufcs_IncreaseDecreaseInDeferredPolicyAcquisitionCostAndValueOfBusinessAcquired"/>
    <link:calculationArc order="8" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cb4cf-8ecd-7365-9d32-60607140b0ea" xlink:to="loc_ufcs_IncreaseDecreaseInDeferredPolicyAcquisitionCostAndValueOfBusinessAcquired_019df0f6-ca9d-720f-8418-98cf7176ad43" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInReinsuranceRecoverable_019df0f6-ca9d-7cc2-a8b6-07b4da4faa63" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInReinsuranceRecoverable"/>
    <link:calculationArc order="9" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cb4cf-8ecd-7365-9d32-60607140b0ea" xlink:to="loc_us-gaap_IncreaseDecreaseInReinsuranceRecoverable_019df0f6-ca9d-7cc2-a8b6-07b4da4faa63" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInPrepaidReinsurancePremiums_019df0f6-ca9d-70f6-ba87-7783d0490cf4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInPrepaidReinsurancePremiums"/>
    <link:calculationArc order="10" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cb4cf-8ecd-7365-9d32-60607140b0ea" xlink:to="loc_us-gaap_IncreaseDecreaseInPrepaidReinsurancePremiums_019df0f6-ca9d-70f6-ba87-7783d0490cf4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInIncomeTaxesReceivable_019df0f6-ca9d-77e4-ac7d-4bdca8a1b1d7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInIncomeTaxesReceivable"/>
    <link:calculationArc order="11" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cb4cf-8ecd-7365-9d32-60607140b0ea" xlink:to="loc_us-gaap_IncreaseDecreaseInIncomeTaxesReceivable_019df0f6-ca9d-77e4-ac7d-4bdca8a1b1d7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_019df0f6-ca9d-7112-a6ec-dcc9ad8ca43a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:calculationArc order="12" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cb4cf-8ecd-7365-9d32-60607140b0ea" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_019df0f6-ca9d-7112-a6ec-dcc9ad8ca43a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInFuturePolicyBenefitReserves_019df0f6-ca9d-7a28-8e82-a2f3d6b2f3ca" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInFuturePolicyBenefitReserves"/>
    <link:calculationArc order="13" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cb4cf-8ecd-7365-9d32-60607140b0ea" xlink:to="loc_us-gaap_IncreaseDecreaseInFuturePolicyBenefitReserves_019df0f6-ca9d-7a28-8e82-a2f3d6b2f3ca" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInUnearnedPremiums_019df0f6-ca9d-7526-8af8-32adc81cffea" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInUnearnedPremiums"/>
    <link:calculationArc order="14" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cb4cf-8ecd-7365-9d32-60607140b0ea" xlink:to="loc_us-gaap_IncreaseDecreaseInUnearnedPremiums_019df0f6-ca9d-7526-8af8-32adc81cffea" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_ufcs_IncreaseDecreaseInAccruedExpensesAndOtherLiabilities_019df0f6-ca9d-7ebd-b13c-2e25ee663346" xlink:href="ufcs-20260331.xsd#ufcs_IncreaseDecreaseInAccruedExpensesAndOtherLiabilities"/>
    <link:calculationArc order="15" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cb4cf-8ecd-7365-9d32-60607140b0ea" xlink:to="loc_ufcs_IncreaseDecreaseInAccruedExpensesAndOtherLiabilities_019df0f6-ca9d-7ebd-b13c-2e25ee663346" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable_019df0f6-ca9d-7216-8619-be3ae7e6ceed" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable"/>
    <link:calculationArc order="16" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cb4cf-8ecd-7365-9d32-60607140b0ea" xlink:to="loc_us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable_019df0f6-ca9d-7216-8619-be3ae7e6ceed" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_019df0f6-ca9d-7d1d-ac92-6152e7cea498" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInOtherOperatingLiabilities"/>
    <link:calculationArc order="17" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cb4cf-8ecd-7365-9d32-60607140b0ea" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_019df0f6-ca9d-7d1d-ac92-6152e7cea498" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019cb4cf-8ecd-7af7-b23b-0062ace2df4a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLoss"/>
    <link:calculationArc order="18" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cb4cf-8ecd-7365-9d32-60607140b0ea" xlink:to="loc_us-gaap_NetIncomeLoss_019cb4cf-8ecd-7af7-b23b-0062ace2df4a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019cb4cf-8ecd-7c8a-bd70-243be73d2242" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019cb4cf-8ecd-753b-9ad0-93fcb4bf6020" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019cb4cf-8ecd-7c8a-bd70-243be73d2242" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019cb4cf-8ecd-753b-9ad0-93fcb4bf6020" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019cb4cf-8ecd-7e30-82b6-12d7d153c0a9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019cb4cf-8ecd-7c8a-bd70-243be73d2242" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019cb4cf-8ecd-7e30-82b6-12d7d153c0a9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cb4cf-8ecd-710a-a21c-35a5a7668edc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019cb4cf-8ecd-7c8a-bd70-243be73d2242" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cb4cf-8ecd-710a-a21c-35a5a7668edc" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.unitedfiregroup.com/role/SUMMARYOFINVESTMENTSFairValueofInvestmentsDetails" xlink:type="simple" xlink:href="ufcs-20260331.xsd#SUMMARYOFINVESTMENTSFairValueofInvestmentsDetails"/>
  <link:calculationLink xlink:role="http://www.unitedfiregroup.com/role/SUMMARYOFINVESTMENTSFairValueofInvestmentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cb4cf-8ece-71d9-9c7e-165fbdc0acfe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_019cb4cf-8ece-7c7b-bcf0-7ae83843816b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cb4cf-8ece-71d9-9c7e-165fbdc0acfe" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_019cb4cf-8ece-7c7b-bcf0-7ae83843816b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_019cb4cf-8ece-721c-aa56-4be4171981b7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cb4cf-8ece-71d9-9c7e-165fbdc0acfe" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_019cb4cf-8ece-721c-aa56-4be4171981b7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest_019cb4cf-8ece-72c9-836b-001e71c9c99d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cb4cf-8ece-71d9-9c7e-165fbdc0acfe" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest_019cb4cf-8ece-72c9-836b-001e71c9c99d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019cb4cf-8ece-7deb-9de9-704fd1c3eb85" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cb4cf-8ece-71d9-9c7e-165fbdc0acfe" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019cb4cf-8ece-7deb-9de9-704fd1c3eb85" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.unitedfiregroup.com/role/SUMMARYOFINVESTMENTSMaturitiesDetails" xlink:type="simple" xlink:href="ufcs-20260331.xsd#SUMMARYOFINVESTMENTSMaturitiesDetails"/>
  <link:calculationLink xlink:role="http://www.unitedfiregroup.com/role/SUMMARYOFINVESTMENTSMaturitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cb4cf-8ece-76ef-a3a1-18558b82fa4d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_019cb4cf-8ece-7426-93e1-d4f28a242cc9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cb4cf-8ece-76ef-a3a1-18558b82fa4d" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_019cb4cf-8ece-7426-93e1-d4f28a242cc9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_019cb4cf-8ece-772f-81e6-6f086aef9aa9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cb4cf-8ece-76ef-a3a1-18558b82fa4d" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_019cb4cf-8ece-772f-81e6-6f086aef9aa9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_019cb4cf-8ece-7a32-b7d0-841e21215b82" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cb4cf-8ece-76ef-a3a1-18558b82fa4d" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_019cb4cf-8ece-7a32-b7d0-841e21215b82" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_019cb4cf-8ece-7f99-8a8a-cd61fd6aeb5e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cb4cf-8ece-76ef-a3a1-18558b82fa4d" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_019cb4cf-8ece-7f99-8a8a-cd61fd6aeb5e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost_019cb4cf-8ece-7350-b1f2-cf01601a9cd0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cb4cf-8ece-76ef-a3a1-18558b82fa4d" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost_019cb4cf-8ece-7350-b1f2-cf01601a9cd0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019cb4cf-8ece-722f-a457-b66e92e170f6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_019cb4cf-8ece-7d1a-ae80-dfc663489afa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019cb4cf-8ece-722f-a457-b66e92e170f6" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_019cb4cf-8ece-7d1a-ae80-dfc663489afa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_019cb4cf-8ece-7249-99b2-a5f2ab8ff47f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019cb4cf-8ece-722f-a457-b66e92e170f6" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_019cb4cf-8ece-7249-99b2-a5f2ab8ff47f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_019cb4cf-8ece-7353-8e49-cf537fe807db" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019cb4cf-8ece-722f-a457-b66e92e170f6" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_019cb4cf-8ece-7353-8e49-cf537fe807db" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_019cb4cf-8ece-788b-8533-2f1e9686c1d4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019cb4cf-8ece-722f-a457-b66e92e170f6" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_019cb4cf-8ece-788b-8533-2f1e9686c1d4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue_019cb4cf-8ece-7431-8e96-e4cbae32849a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019cb4cf-8ece-722f-a457-b66e92e170f6" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue_019cb4cf-8ece-7431-8e96-e4cbae32849a" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.unitedfiregroup.com/role/SUMMARYOFINVESTMENTSUnrealizedGainandLossDetails" xlink:type="simple" xlink:href="ufcs-20260331.xsd#SUMMARYOFINVESTMENTSUnrealizedGainandLossDetails"/>
  <link:calculationLink xlink:role="http://www.unitedfiregroup.com/role/SUMMARYOFINVESTMENTSUnrealizedGainandLossDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_019cb4cf-8ece-7067-8213-03bad7926141" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax_019cb4cf-8ece-775d-a404-6f36858a5605" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_019cb4cf-8ece-7067-8213-03bad7926141" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax_019cb4cf-8ece-775d-a404-6f36858a5605" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax_019cb4cf-8ece-7bd1-a643-3dc018e77893" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_019cb4cf-8ece-7067-8213-03bad7926141" xlink:to="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax_019cb4cf-8ece-7bd1-a643-3dc018e77893" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.unitedfiregroup.com/role/SUMMARYOFINVESTMENTSFixedMaturitiesUnrealizedLossDetails" xlink:type="simple" xlink:href="ufcs-20260331.xsd#SUMMARYOFINVESTMENTSFixedMaturitiesUnrealizedLossDetails"/>
  <link:calculationLink xlink:role="http://www.unitedfiregroup.com/role/SUMMARYOFINVESTMENTSFixedMaturitiesUnrealizedLossDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_019cb4cf-8ece-7f6b-bf92-9cb8f52f420f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_019cb4cf-8ece-77a5-9287-7f6c54d2627a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_019cb4cf-8ece-7f6b-bf92-9cb8f52f420f" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_019cb4cf-8ece-77a5-9287-7f6c54d2627a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_019cb4cf-8ece-7fdc-a5a7-8b093baa189d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_019cb4cf-8ece-7f6b-bf92-9cb8f52f420f" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_019cb4cf-8ece-7fdc-a5a7-8b093baa189d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_019cb4cf-8ece-74d4-bf61-fdb634d618a9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_019cb4cf-8ece-7a5b-b6c8-0bae9aadc7cb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_019cb4cf-8ece-74d4-bf61-fdb634d618a9" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_019cb4cf-8ece-7a5b-b6c8-0bae9aadc7cb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_019cb4cf-8ece-7edf-82fd-b8df0443cfc5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_019cb4cf-8ece-74d4-bf61-fdb634d618a9" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_019cb4cf-8ece-7edf-82fd-b8df0443cfc5" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.unitedfiregroup.com/role/SUMMARYOFINVESTMENTSCarryingValueofCommercialMortgageLoansandAdditionalInformationDetails" xlink:type="simple" xlink:href="ufcs-20260331.xsd#SUMMARYOFINVESTMENTSCarryingValueofCommercialMortgageLoansandAdditionalInformationDetails"/>
  <link:calculationLink xlink:role="http://www.unitedfiregroup.com/role/SUMMARYOFINVESTMENTSCarryingValueofCommercialMortgageLoansandAdditionalInformationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019cb4cf-8ece-76fa-8951-4dda8b67bc17" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019cb4cf-8ece-75d5-9d9b-f4cba8880f6a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019cb4cf-8ece-76fa-8951-4dda8b67bc17" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019cb4cf-8ece-75d5-9d9b-f4cba8880f6a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cb4cf-8ece-7221-8fee-03202d2593fc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019cb4cf-8ece-76fa-8951-4dda8b67bc17" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cb4cf-8ece-7221-8fee-03202d2593fc" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.unitedfiregroup.com/role/SUMMARYOFINVESTMENTSAmortizedCostBasisbyYearofOriginationandCreditQualityIndicatorDetails" xlink:type="simple" xlink:href="ufcs-20260331.xsd#SUMMARYOFINVESTMENTSAmortizedCostBasisbyYearofOriginationandCreditQualityIndicatorDetails"/>
  <link:calculationLink xlink:role="http://www.unitedfiregroup.com/role/SUMMARYOFINVESTMENTSAmortizedCostBasisbyYearofOriginationandCreditQualityIndicatorDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cb4cf-8ece-7dca-b0f2-6c51090bd634" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_019cb4cf-8ece-7cac-8eda-8ad6b1b90e7c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cb4cf-8ece-7dca-b0f2-6c51090bd634" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_019cb4cf-8ece-7cac-8eda-8ad6b1b90e7c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_019cb4cf-8ece-7a18-b7f0-411fc9f0fa38" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cb4cf-8ece-7dca-b0f2-6c51090bd634" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_019cb4cf-8ece-7a18-b7f0-411fc9f0fa38" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_ufcs_FinancingReceivableExcludingAccruedInterestYearSixOriginatedFiveYearsBeforeCurrentFiscalYear_019cb4cf-8ece-791e-bcbd-bd87e18bb2c6" xlink:href="ufcs-20260331.xsd#ufcs_FinancingReceivableExcludingAccruedInterestYearSixOriginatedFiveYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cb4cf-8ece-7dca-b0f2-6c51090bd634" xlink:to="loc_ufcs_FinancingReceivableExcludingAccruedInterestYearSixOriginatedFiveYearsBeforeCurrentFiscalYear_019cb4cf-8ece-791e-bcbd-bd87e18bb2c6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_ufcs_FinancingReceivableExcludingAccruedInterestYearSevenOriginatedSixYearsBeforeCurrentFiscalYear_019cb4cf-8ece-7dfb-a833-749b24a4139a" xlink:href="ufcs-20260331.xsd#ufcs_FinancingReceivableExcludingAccruedInterestYearSevenOriginatedSixYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cb4cf-8ece-7dca-b0f2-6c51090bd634" xlink:to="loc_ufcs_FinancingReceivableExcludingAccruedInterestYearSevenOriginatedSixYearsBeforeCurrentFiscalYear_019cb4cf-8ece-7dfb-a833-749b24a4139a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_ufcs_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanSixYearsBeforeCurrentFiscalYear_019cb4cf-8ece-70e3-95f3-36d0fc3ec5b6" xlink:href="ufcs-20260331.xsd#ufcs_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanSixYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cb4cf-8ece-7dca-b0f2-6c51090bd634" xlink:to="loc_ufcs_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanSixYearsBeforeCurrentFiscalYear_019cb4cf-8ece-70e3-95f3-36d0fc3ec5b6" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.unitedfiregroup.com/role/SUMMARYOFINVESTMENTSNetInvestmentGainsandLossesDetails" xlink:type="simple" xlink:href="ufcs-20260331.xsd#SUMMARYOFINVESTMENTSNetInvestmentGainsandLossesDetails"/>
  <link:calculationLink xlink:role="http://www.unitedfiregroup.com/role/SUMMARYOFINVESTMENTSNetInvestmentGainsandLossesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealizedInvestmentGainsLosses_019cb4cf-8f72-799a-832d-7ecc37905762" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RealizedInvestmentGainsLosses"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGainLoss_019cb4cf-8f72-78bf-bbea-8da9fb299fea" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleRealizedGainLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_RealizedInvestmentGainsLosses_019cb4cf-8f72-799a-832d-7ecc37905762" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGainLoss_019cb4cf-8f72-78bf-bbea-8da9fb299fea" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSaleOfOtherInvestments_019cb4cf-8f72-7511-ab26-e22b79054ba0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GainLossOnSaleOfOtherInvestments"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_RealizedInvestmentGainsLosses_019cb4cf-8f72-799a-832d-7ecc37905762" xlink:to="loc_us-gaap_GainLossOnSaleOfOtherInvestments_019cb4cf-8f72-7511-ab26-e22b79054ba0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProvisionForLoanLeaseAndOtherLosses_019cb4cf-8f72-7c38-bd02-1d54c9b4384a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_RealizedInvestmentGainsLosses_019cb4cf-8f72-799a-832d-7ecc37905762" xlink:to="loc_us-gaap_ProvisionForLoanLeaseAndOtherLosses_019cb4cf-8f72-7c38-bd02-1d54c9b4384a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterestAllowanceForCreditLossNotToSellBeforeRecoveryCreditLossPreviouslyRecordedExpenseReversal_019cb4cf-8f72-7768-98af-08329b1cbe23" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterestAllowanceForCreditLossNotToSellBeforeRecoveryCreditLossPreviouslyRecordedExpenseReversal"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_RealizedInvestmentGainsLosses_019cb4cf-8f72-799a-832d-7ecc37905762" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterestAllowanceForCreditLossNotToSellBeforeRecoveryCreditLossPreviouslyRecordedExpenseReversal_019cb4cf-8f72-7768-98af-08329b1cbe23" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.unitedfiregroup.com/role/SUMMARYOFINVESTMENTSNetInvestmentIncomeDetails" xlink:type="simple" xlink:href="ufcs-20260331.xsd#SUMMARYOFINVESTMENTSNetInvestmentIncomeDetails"/>
  <link:calculationLink xlink:role="http://www.unitedfiregroup.com/role/SUMMARYOFINVESTMENTSNetInvestmentIncomeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ufcs_InvestmentIncomeGross_019cb4cf-8f72-7c66-a5f4-598bcf8f293a" xlink:href="ufcs-20260331.xsd#ufcs_InvestmentIncomeGross"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentIncomeInterest_019cb4cf-8f72-79a7-aa8a-d8e2f884931a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentIncomeInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_ufcs_InvestmentIncomeGross_019cb4cf-8f72-7c66-a5f4-598bcf8f293a" xlink:to="loc_us-gaap_InvestmentIncomeInterest_019cb4cf-8f72-79a7-aa8a-d8e2f884931a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_ufcs_InvestmentIncomeOther_019cb4cf-8f72-747e-9152-082b42bedcf6" xlink:href="ufcs-20260331.xsd#ufcs_InvestmentIncomeOther"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_ufcs_InvestmentIncomeGross_019cb4cf-8f72-7c66-a5f4-598bcf8f293a" xlink:to="loc_ufcs_InvestmentIncomeOther_019cb4cf-8f72-747e-9152-082b42bedcf6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_ufcs_InvestmentIncomeGainLossOnOtherLongTermInvestments_019cb4cf-8f72-7ddd-80b0-e03523bbfbad" xlink:href="ufcs-20260331.xsd#ufcs_InvestmentIncomeGainLossOnOtherLongTermInvestments"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_ufcs_InvestmentIncomeGross_019cb4cf-8f72-7c66-a5f4-598bcf8f293a" xlink:to="loc_ufcs_InvestmentIncomeGainLossOnOtherLongTermInvestments_019cb4cf-8f72-7ddd-80b0-e03523bbfbad" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentIncomeNet_019cb4cf-8f72-7646-8c6b-36b2ad6ba431" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentIncomeNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentIncomeInvestmentExpense_019cb4cf-8f72-764e-83da-273e05f81ddf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentIncomeInvestmentExpense"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InvestmentIncomeNet_019cb4cf-8f72-7646-8c6b-36b2ad6ba431" xlink:to="loc_us-gaap_InvestmentIncomeInvestmentExpense_019cb4cf-8f72-764e-83da-273e05f81ddf" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_ufcs_InvestmentIncomeGross_019cb4cf-8f72-7638-b20f-f36456b5e0b3" xlink:href="ufcs-20260331.xsd#ufcs_InvestmentIncomeGross"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InvestmentIncomeNet_019cb4cf-8f72-7646-8c6b-36b2ad6ba431" xlink:to="loc_ufcs_InvestmentIncomeGross_019cb4cf-8f72-7638-b20f-f36456b5e0b3" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.unitedfiregroup.com/role/FAIRVALUEOFFINANCIALINSTRUMENTSFinancialInstrumentsMeasuredatFairValueDetails" xlink:type="simple" xlink:href="ufcs-20260331.xsd#FAIRVALUEOFFINANCIALINSTRUMENTSFinancialInstrumentsMeasuredatFairValueDetails"/>
  <link:calculationLink xlink:role="http://www.unitedfiregroup.com/role/FAIRVALUEOFFINANCIALINSTRUMENTSFinancialInstrumentsMeasuredatFairValueDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_019cb4cf-8f73-7040-b2b5-a22132729f76" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_019cb4cf-8f73-7deb-a2ee-38be77759516" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_019cb4cf-8f73-7040-b2b5-a22132729f76" xlink:to="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_019cb4cf-8f73-7deb-a2ee-38be77759516" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019cb4cf-8f73-7f8b-b2c8-6fd5d405d2ec" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_019cb4cf-8f73-7040-b2b5-a22132729f76" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019cb4cf-8f73-7f8b-b2c8-6fd5d405d2ec" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashSurrenderValueFairValueDisclosure_019cb4cf-8f73-7682-9fcf-b5dc6a330153" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashSurrenderValueFairValueDisclosure"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_019cb4cf-8f73-7040-b2b5-a22132729f76" xlink:to="loc_us-gaap_CashSurrenderValueFairValueDisclosure_019cb4cf-8f73-7682-9fcf-b5dc6a330153" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.unitedfiregroup.com/role/FAIRVALUEOFFINANCIALINSTRUMENTSFairValueofFinancialInstrumentsThatAreNotCarriedatFairValueonaRecurringBasisDetails" xlink:type="simple" xlink:href="ufcs-20260331.xsd#FAIRVALUEOFFINANCIALINSTRUMENTSFairValueofFinancialInstrumentsThatAreNotCarriedatFairValueonaRecurringBasisDetails"/>
  <link:calculationLink xlink:role="http://www.unitedfiregroup.com/role/FAIRVALUEOFFINANCIALINSTRUMENTSFairValueofFinancialInstrumentsThatAreNotCarriedatFairValueonaRecurringBasisDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosure_019cb4cf-8f73-7e38-abcf-673a99f316d2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtFairValue_019cb4cf-8f73-7717-8c82-bd0ee77dc2bd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtFairValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_019cb4cf-8f73-7e38-abcf-673a99f316d2" xlink:to="loc_us-gaap_LongTermDebtFairValue_019cb4cf-8f73-7717-8c82-bd0ee77dc2bd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_019cb4cf-8f73-74ef-b2d2-1993a1058ffb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_019cb4cf-8f73-7bc8-ac45-1e4e59f1043d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_019cb4cf-8f73-74ef-b2d2-1993a1058ffb" xlink:to="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_019cb4cf-8f73-7bc8-ac45-1e4e59f1043d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure_019cb4cf-8f73-7240-8b83-b15d91f6f15e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_019cb4cf-8f73-74ef-b2d2-1993a1058ffb" xlink:to="loc_us-gaap_LoansReceivableFairValueDisclosure_019cb4cf-8f73-7240-8b83-b15d91f6f15e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AlternativeInvestment_019cb4cf-8f73-7cf3-90f6-1ec45a5dc473" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AlternativeInvestment"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_019cb4cf-8f73-74ef-b2d2-1993a1058ffb" xlink:to="loc_us-gaap_AlternativeInvestment_019cb4cf-8f73-7cf3-90f6-1ec45a5dc473" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.unitedfiregroup.com/role/RESERVESFORLOSSESANDLOSSSETTLEMENTEXPENSESChangesinPropertyandCasualtyLossesandLossSettlementExpenseReservesDetails" xlink:type="simple" xlink:href="ufcs-20260331.xsd#RESERVESFORLOSSESANDLOSSSETTLEMENTEXPENSESChangesinPropertyandCasualtyLossesandLossSettlementExpenseReservesDetails"/>
  <link:calculationLink xlink:role="http://www.unitedfiregroup.com/role/RESERVESFORLOSSESANDLOSSSETTLEMENTEXPENSESChangesinPropertyandCasualtyLossesandLossSettlementExpenseReservesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForLossesAndLossAdjustmentExpense_019cb4cf-8f73-7ecc-850a-d355799fe4ba" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsForLossesAndLossAdjustmentExpense"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1_019cb4cf-8f73-7b27-9ad1-b85a9202aa9a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PaymentsForLossesAndLossAdjustmentExpense_019cb4cf-8f73-7ecc-850a-d355799fe4ba" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1_019cb4cf-8f73-7b27-9ad1-b85a9202aa9a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1_019cb4cf-8f73-7126-a76a-288016b7eb2c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PaymentsForLossesAndLossAdjustmentExpense_019cb4cf-8f73-7ecc-850a-d355799fe4ba" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1_019cb4cf-8f73-7126-a76a-288016b7eb2c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet_019cb4cf-8f73-787e-91c9-ca5c51b0757f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_019cb4cf-8f73-7644-9d49-7b5b12c6386a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet_019cb4cf-8f73-787e-91c9-ca5c51b0757f" xlink:to="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_019cb4cf-8f73-7644-9d49-7b5b12c6386a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_ufcs_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseCededLossAndLossSettlementExpense_019cb4cf-8f73-70f7-b924-6484f7f142d8" xlink:href="ufcs-20260331.xsd#ufcs_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseCededLossAndLossSettlementExpense"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet_019cb4cf-8f73-787e-91c9-ca5c51b0757f" xlink:to="loc_ufcs_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseCededLossAndLossSettlementExpense_019cb4cf-8f73-70f7-b924-6484f7f142d8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_019cb4cf-8f73-7681-8abd-db963bef0769" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense_019cb4cf-8f73-73a8-8f74-958ad270d00e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_019cb4cf-8f73-7681-8abd-db963bef0769" xlink:to="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense_019cb4cf-8f73-73a8-8f74-958ad270d00e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense_019cb4cf-8f73-781c-918b-bbbba8996c7d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_019cb4cf-8f73-7681-8abd-db963bef0769" xlink:to="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense_019cb4cf-8f73-781c-918b-bbbba8996c7d" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.unitedfiregroup.com/role/EMPLOYEEBENEFITSDetails" xlink:type="simple" xlink:href="ufcs-20260331.xsd#EMPLOYEEBENEFITSDetails"/>
  <link:calculationLink xlink:role="http://www.unitedfiregroup.com/role/EMPLOYEEBENEFITSDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_019cb4cf-8f73-72e7-8b49-33b253bb0c16" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanServiceCost_019cb4cf-8f73-7b4c-bde2-11bdc3abe23e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DefinedBenefitPlanServiceCost"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_019cb4cf-8f73-72e7-8b49-33b253bb0c16" xlink:to="loc_us-gaap_DefinedBenefitPlanServiceCost_019cb4cf-8f73-7b4c-bde2-11bdc3abe23e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanInterestCost_019cb4cf-8f73-7ccc-8dc7-52f380b5c1ed" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DefinedBenefitPlanInterestCost"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_019cb4cf-8f73-72e7-8b49-33b253bb0c16" xlink:to="loc_us-gaap_DefinedBenefitPlanInterestCost_019cb4cf-8f73-7ccc-8dc7-52f380b5c1ed" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_019cb4cf-8f73-7f55-b3f2-1e53ca7ca2e8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_019cb4cf-8f73-72e7-8b49-33b253bb0c16" xlink:to="loc_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_019cb4cf-8f73-7f55-b3f2-1e53ca7ca2e8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit_019cb4cf-8f73-791c-b85b-a32eeb41683b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_019cb4cf-8f73-72e7-8b49-33b253bb0c16" xlink:to="loc_us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit_019cb4cf-8f73-791c-b85b-a32eeb41683b" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.unitedfiregroup.com/role/EARNINGSPERCOMMONSHAREDetails" xlink:type="simple" xlink:href="ufcs-20260331.xsd#EARNINGSPERCOMMONSHAREDetails"/>
  <link:calculationLink xlink:role="http://www.unitedfiregroup.com/role/EARNINGSPERCOMMONSHAREDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019cb4cf-8f73-7e82-99b8-ab3649c6f677" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019cb4cf-8f73-75b2-adc8-aa354632b05f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019cb4cf-8f73-7e82-99b8-ab3649c6f677" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019cb4cf-8f73-75b2-adc8-aa354632b05f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_019cb4cf-8f73-7ccf-b7d2-2b48c78472fd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019cb4cf-8f73-7e82-99b8-ab3649c6f677" xlink:to="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_019cb4cf-8f73-7ccf-b7d2-2b48c78472fd" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.unitedfiregroup.com/role/LEASECOMMITMENTSComponentsofOperatingLeasesDetails" xlink:type="simple" xlink:href="ufcs-20260331.xsd#LEASECOMMITMENTSComponentsofOperatingLeasesDetails"/>
  <link:calculationLink xlink:role="http://www.unitedfiregroup.com/role/LEASECOMMITMENTSComponentsofOperatingLeasesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeaseCost_019cb4cf-8f73-7dff-8477-c1d4c2a51984" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LeaseCost"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseCost_019cb4cf-8f73-7e9e-88a6-b3a77b29e525" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeaseCost"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LeaseCost_019cb4cf-8f73-7dff-8477-c1d4c2a51984" xlink:to="loc_us-gaap_OperatingLeaseCost_019cb4cf-8f73-7e9e-88a6-b3a77b29e525" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubleaseIncome_019cb4cf-8f73-7682-abd2-070270648131" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SubleaseIncome"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LeaseCost_019cb4cf-8f73-7dff-8477-c1d4c2a51984" xlink:to="loc_us-gaap_SubleaseIncome_019cb4cf-8f73-7682-abd2-070270648131" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLeaseIncome_019cb4cf-8f73-7824-ac7f-727d3b6b75d4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeaseLeaseIncome"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LeaseCost_019cb4cf-8f73-7dff-8477-c1d4c2a51984" xlink:to="loc_us-gaap_OperatingLeaseLeaseIncome_019cb4cf-8f73-7824-ac7f-727d3b6b75d4" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.unitedfiregroup.com/role/INCOMETAXSummaryofComponentsofIncomeTaxExpenseBenefitDetails" xlink:type="simple" xlink:href="ufcs-20260331.xsd#INCOMETAXSummaryofComponentsofIncomeTaxExpenseBenefitDetails"/>
  <link:calculationLink xlink:role="http://www.unitedfiregroup.com/role/INCOMETAXSummaryofComponentsofIncomeTaxExpenseBenefitDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_019cb4cf-8f73-7373-939f-e4c1bc90ae24" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentFederalTaxExpenseBenefit_019cb4cf-8f73-7bb8-bcc3-4ecb8cdc772c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CurrentFederalTaxExpenseBenefit"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_019cb4cf-8f73-7373-939f-e4c1bc90ae24" xlink:to="loc_us-gaap_CurrentFederalTaxExpenseBenefit_019cb4cf-8f73-7bb8-bcc3-4ecb8cdc772c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredFederalIncomeTaxExpenseBenefit_019cb4cf-8f73-725e-a48b-443f48e875cf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredFederalIncomeTaxExpenseBenefit"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_019cb4cf-8f73-7373-939f-e4c1bc90ae24" xlink:to="loc_us-gaap_DeferredFederalIncomeTaxExpenseBenefit_019cb4cf-8f73-725e-a48b-443f48e875cf" xlink:type="arc"/>
  </link:calculationLink>
</link:linkbase>
