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  <xs:element id="esnt_ReinsuranceRemainingRiskInForce" abstract="false" name="ReinsuranceRemainingRiskInForce" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="esnt_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpensePriorYears" abstract="false" name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpensePriorYears" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="esnt_ShareholderVotingRightsOwnershipPercentageThreshold" abstract="false" name="ShareholderVotingRightsOwnershipPercentageThreshold" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
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  <xs:element id="esnt_InvestmentCompanyAssetLiquidationPeriod" abstract="false" name="InvestmentCompanyAssetLiquidationPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
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  <xs:element id="esnt_EquipmentComputerHardwareAndPurchasedSoftwareMember" abstract="true" name="EquipmentComputerHardwareAndPurchasedSoftwareMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="esnt_EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateNondeductibleExpense" abstract="false" name="EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateNondeductibleExpense" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="esnt_NonRefundableSinglePremiumPrimaryMortgageInsuranceUnearnedPremiumRecognizedAsEarnedUponCancellationDueToLoanRepayment" abstract="false" name="NonRefundableSinglePremiumPrimaryMortgageInsuranceUnearnedPremiumRecognizedAsEarnedUponCancellationDueToLoanRepayment" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="esnt_RiskToCapitalRatio" abstract="false" name="RiskToCapitalRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
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  <xs:element id="esnt_GeneralObligationMunicipalBondsMember" abstract="true" name="GeneralObligationMunicipalBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_OtherUnderwritingAndOperatingExpensesMember" abstract="true" name="OtherUnderwritingAndOperatingExpensesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_RelativeTotalShareholderReturnDomain" abstract="true" name="RelativeTotalShareholderReturnDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="esnt_EffectiveIncomeTaxRateReconciliationStateAndLocalTaxesNetOfFederalBenefitPercent" abstract="false" name="EffectiveIncomeTaxRateReconciliationStateAndLocalTaxesNetOfFederalBenefitPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
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  <xs:element id="esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossGainExposureAmount" abstract="false" name="VariableInterestEntityReportingEntityInvolvementMaximumLossGainExposureAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_ReinsuranceCededPremiumsEarnedPercentOfRiskOnEligibleSinglePremiumPolicies" abstract="false" name="ReinsuranceCededPremiumsEarnedPercentOfRiskOnEligibleSinglePremiumPolicies" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="esnt_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNumberOfConsecutiveMissedLoanPaymentsForClassificationOfLoanAsInDefault" abstract="false" name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNumberOfConsecutiveMissedLoanPaymentsForClassificationOfLoanAsInDefault" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="esnt_RadnorEntitiesMember" abstract="true" name="RadnorEntitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_AOCIAttributableToParentTaxRollForward" abstract="true" name="AOCIAttributableToParentTaxRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="esnt_TwoThousandTwentyTwoPerformanceBasedGrantsMember" abstract="true" name="TwoThousandTwentyTwoPerformanceBasedGrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_DeferredTaxAssetsOrganizationalExpenses" abstract="false" name="DeferredTaxAssetsOrganizationalExpenses" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_UtilitiesSectorMember" abstract="true" name="UtilitiesSectorMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_ShareBasedPaymentArrangementLessThanOrEqualTo25thPercentileMember" abstract="true" name="ShareBasedPaymentArrangementLessThanOrEqualTo25thPercentileMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_EssentUsHoldingsIncMember" abstract="true" name="EssentUsHoldingsIncMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_ShareBasedPaymentArrangement50thPercentileMember" abstract="true" name="ShareBasedPaymentArrangement50thPercentileMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="esnt_AmortizationPeriodExcessofLossPortfolio" abstract="false" name="AmortizationPeriodExcessofLossPortfolio" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="esnt_AssetsonDepositUnderReinsuranceAgreements" abstract="false" name="AssetsonDepositUnderReinsuranceAgreements" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardsEarnedPercentageOfTargetSharesGranted" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardsEarnedPercentageOfTargetSharesGranted" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
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  <xs:element id="esnt_ShareRepurchasePlan2022Member" abstract="true" name="ShareRepurchasePlan2022Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="esnt_ShareBasedPaymentArrangementGreaterThanOrEqualTo75thPercentileMember" abstract="true" name="ShareBasedPaymentArrangementGreaterThanOrEqualTo75thPercentileMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="esnt_VestingCriteriaAxis" abstract="true" name="VestingCriteriaAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="esnt_ResidentialAndCommercialMortgageSecuritiesMember" abstract="true" name="ResidentialAndCommercialMortgageSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_LimitedPartnershipInvestmentMember" abstract="true" name="LimitedPartnershipInvestmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_CertainSeniorManagementMember" abstract="true" name="CertainSeniorManagementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="esnt_ReinsuranceRetentionPolicyReinsuredRiskPercentageThreshold" abstract="false" name="ReinsuranceRetentionPolicyReinsuredRiskPercentageThreshold" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="esnt_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtWeightedAverageIncomeTaxRate" abstract="false" name="IncomeTaxReconciliationIncomeTaxExpenseBenefitAtWeightedAverageIncomeTaxRate" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="esnt_DeferredTaxLiabilitiesTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities" abstract="false" name="DeferredTaxLiabilitiesTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_AssetsOnDepositForTheBenefitOfTheSponsor" abstract="false" name="AssetsOnDepositForTheBenefitOfTheSponsor" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="esnt_VestingCriteriaDomain" abstract="false" name="VestingCriteriaDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_EssentIrishIntermediateHoldingsLimitedMember" abstract="true" name="EssentIrishIntermediateHoldingsLimitedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="esnt_AuditInformationAbstract" abstract="true" name="AuditInformationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
</xs:schema>
