HR 5608 Re-checks Congress.gov for new actions and updates the bill's status, and fills in any sponsors, committees, or related bills that are missing. It does not re-pull sponsors/cosponsors/committees/related — those rarely change — and it skips all work if nothing has changed upstream, so it's cheap to click.
To ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products.
To ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products.
Summary
The bill prohibits FEMA from including non-compete clauses in agreements with private insurance companies participating in the National Flood Insurance Program's "Write Your Own" initiative. Currently, FEMA can restrict these companies from selling competing private flood insurance products; this bill removes that restriction. Insurance companies in the Write Your Own Program would be allowed to offer both National Flood Insurance Program products and private flood insurance alternatives. The prohibition prevents FEMA from conditioning participation in the Write Your Own Program on an insurer's agreement not to sell private flood insurance.
AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.
Sponsor (1)
2 cosponsors
- Rep. Ezell, Mike [R-MS-4] (R-MS)
- Rep. Patronis, Jimmy [R-FL-1] (R-FL)
Money behind the sponsor
Top reported contributors to W. Gregory Steube’s campaign committee (2024 cycle) — who funds the bill’s sponsor, not a claim about this bill. Data from FEC.
- CHENEY BROTHERS $7,800
- NEXTGEN MANAGEMENT $6,600
- STEPHENS, INC. $6,600
- NEPTUNE WELLNESS SOLUTIONS $6,600
- COOLTODAY $6,600
Organizations whose employees gave the most — itemized individual contributions grouped by the donor’s reported employer (FEC Schedule A). Full finance for W. Gregory Steube → · Outside spending →
Actions (2)
- Sep 26, 2025 Referred to the House Committee on Financial Services. · house
- Sep 26, 2025 Introduced in House
Similar bills (6)
Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.
Text versions (1)
Bills are re-published as they move (Introduced → Reported → Engrossed → Enrolled …). Each stage below is a separate text; pick two to see what changed. Data from Congress.gov.
Full text
IN THE HOUSE OF REPRESENTATIVES
September 26, 2025
Mr. Steube (for himself, Mr. Patronis, and Mr. Ezell) introduced the following bill; which was referred to the Committee on Financial Services
A BILL
To ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products.
Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,
SECTION 1. PROHIBITION ON NON-COMPETE REQUIREMENT FOR WRITE YOUR OWN COMPANIES UNDER THE NATIONAL FLOOD INSURANCE PROGRAM.
Section 1345 of the National Flood Insurance Act of 1968 (42 U.S.C. 4081) is amended by adding at the end the following:
“(f) Authority To Provide Other Flood Coverage.—
“(1) Write your own program defined.—In this subsection, the term ‘Write Your Own Program’ means the program under which the Federal Emergency Management Agency enters into a standard arrangement with private property insurance companies to—
“(A) sell contracts for flood insurance coverage under this title under their own business lines of insurance; and
“(B) adjust and pay claims arising under the contracts described in subparagraph (A).
“(2) Prohibition on non-compete clause.—The Administrator may not, as a condition of participating in the Write Your Own Program or in otherwise participating in the utilization by the Administrator of the facilities and services of insurance companies, insurers, insurance agents and brokers, and insurance adjustment organizations pursuant to the authority in this section, nor as a condition of eligibility to engage in any other activities under the National Flood Insurance Program under this title, restrict any such company, insurer, agent, broker, or organization from offering and selling private flood insurance (as that term is defined in section 102(b) of the Flood Disaster Protection Act of 1973 (42 U.S.C. 4012a(b))).
“(3) Financial assistance/subsidy arrangement.—After the date of enactment of this subsection, the Administrator may not include in any agreement entered into with any insurer for participation in the Write Your Own Program any provision establishing a condition prohibited under paragraph (2).”. <all>
Comments